Banks seem not to be interested in your assets - only income. We had a hard time getting a loan for our current condo several years ago because we hadn't sold our old place. At the time, my only income was a modest pension. They said that wasn't enough for a $400K loan. They asked to see our 1040s for 3 years. When they looked at them, they said "You have all kinds of income!!" I said "Say what??" We had converted several tIRAs to Roths and that was 1040 income! Don't ask how converting tIRAs to Roths would satisfy a banker's requirement for income - but it did. Heh, heh, in fact, converting to Roths meant we had less money because we had to pay the taxes! Go figure.
BUT, to answer your questions, unless things have changed, banks want you to have income; A lot of it.