Happy to say....joined Navy Federal CU. After perusing their products, I noticed Checking LOC and Credit Card. Applied for MAX ($15K...not much compared to Wells Fargo PLOC of up to $100K) and was approved instantly (although it seemed to throw a default message as if it wasn't decided, so I called in and was advised I was approved for the $15K).
They pulled EQ (currently 785), income is $262K, AAoA - 3 years, 14 Inq over two years.
I got a NFCU CLOC a few days ago and experienced the same thing with their website. Told me I needed to call in and was told it was approved for $15K also. Congrats!!!