Did you speak to a lawyer who specializes in mortgages?
Even if your credit isn’t great, your home’s equity may help with a refi.
Try speaking to your local councilman.
They may be able to put some pressure on the bank if you are being treated unfairly.
Google and document any laws and regulations that you think are being violated.
This documentation will help bolster your case.
Provide the documentation to your coucilman.