I applied for a recreational vehicle loan with USAA, they did the credit pull right away and a few hours later I recevied a request for proof of income. I submitted stubs (I submitted the application with accurate income) and the underwriter said a senior underwriter would need to review tomorrow during normal business hours. I wonder if the POI request is a good sign vs just a turn down. I applied with NFCU and they turned me down fairly immediately. I understand the sr underwriter needing to sign off as the amount is fairly large (~200k). Credit score they pulled is 711, it will be significantly higher later in the month as I carried a fair amount (30% of available) credit last month but have since paid all but one card to zero but it hasn't reported. I couldn't wait for that bump to apply due to the current insane vehicle market.
