After closing on home loan, I applied for a PLOC with SECU, AndrewsFCU & SDFCU and denied due to BK 7 not seasoned long enough. They all need 4 yrs post BK 7. Interestingly, AndrewsFCU pulled all three credit bureaus. Yikes!
Congrats on your new home!!!! Sorry to hear about the denials, but you will be good to GM go in time.