You need to have your bank order a new Broker's Price Opinion to show that there are lots of lower priced
houses in & around the area. They are using comps on the south side of your neighborhood, not the north side. Your house is in a unique area - one that can appraise high using Melville Park area comps or the more reasonable comps in the area you mentioned...It totally depends on where they get the comps from. A realtor can help you with comparable properties, as our MLS is full of short sales & foreclosures. Whether or not your bank is reasonable is a question we can't answer!
Best of Luck!