I've been doing this a long time and I can't think of any reason why a married couple would go on two separate applications. If the lender intended to leave a borrower off for credit reasons, that applicant would be on no application, not a separate one.
In your shoes, I would ask your loan officer for a specific reason why this is happening. When you get it, post it here or send it to me directly and I'll be happy to share my thoughts. If your lender is not forthcoming with an answer, you've solved the mystery in a roundabout way. You need a new lender, because you can't afford to work with someone who will not be truthful.
Good luck and let me know if I can help.
I wouldn't sweat it as most buyers are asked for strange requests up to the end, no matter who they are. If you want the house, and the loan, just complete them separately and get your home.Nothing is common in the market FOR ANYONE and they're not discriminating, just being thorough to make sure there can be no issue on a national level.
Is it possible that the lender is submitting your application so that only one of you will be on the loan? Sometimes this has to happen because you cannot qualify as a couple. Often times this is because income issues or credit score challenges. That is the only thing I can think of off the top of my head.
Did you ask them why? Just curious what they said!
If you are legally married and have a certificate stating as such, you absolutely can fill out the application jointly and have your credit run jointly. Where you may run into issues, is with the title company. With the most recent purhcase we closed for a same-sex cople, the title company would not insure the couple as maried. We did not have to fill out new applications or re-do anything on our end, but the title company insured the couple as unmarried, joint tenancy. My understanding is that the title company had not yet legally developed the veriage for issuinga Deed for a same-sex maried couple. Although I am sure it is frustrating for you, it truly did not hold up the purchase.
My assumption is that since your purchase got so close to closing, your lender probably ran into the same issues at the title company as we did in my office. And becasue your lender is unsure about how to proceed this time, they are asking you to fill our separate applications. I do not think you are being jerked around, but maybe your lender is just uncomfortable with the unknown situation of same-sex marriages couples buying property.
My advice...use what I have told you to have an open conversation with your lender.