Have you taken any distributions from your qualified plans (401(k), IRA, etc.) in those two years? Or have you converted anything to a ROTH IRA? Odd as it sounds, since those are taxable events, they count as "income" to the financial institutions. Bizarre, but true. Went through this when seeking a mortgage 2 years ago. It looked bleak until they looked at my 1040s and saw significant "income" because I converted TIRAs to ROTHs.
Taking the money for wine, women and song counts too even though it depletes your assets!!! No wonder we are in trouble.
Ko'olau's Law -
Anything which can be used can be misused. Anything which can be misused will be.