Good question. I agree with Howard but would like to add a few thoughts:
1) you need to finance a property purchase in the way that makes the most sense for you, but you already know that;
2) if the property does NOT have problems (which an agent might be able to tell you even before seeing it in person, and you might be able to see immediately when you view it) such as location issues, condo community issues, big-ticket repairs such as a roof or termite damage, missing flooring or AC or such, then my answer would be the bank wants to maximize the bottom line;
3) time on the market or previous contracts that have fallen apart might cause the bank's asset manager to prefer cash even more.