Oh, JULIANA, for fuck's sake. You are not an always-rightcustomer when you approach a lender, entitled to super-fast and friendly customer service.
What you are is a supplicant. You are in an inferior position, asking them for a big favor—the loan of hundreds of thousands of dollars so that you may enjoy the illusion of owning your own home (because hey, guess what—while you have to pay all the expenses and taxes of home ownership, you and Corissa won't actually own it; the lender will until you pay off that loan).
A lender does not have to loan you the money if they see you as a poor risk. To avoid accusations of unfair discrimination when they turn you down, they have to provide solid, specific reasons why.
They are in no way obligated to grant you a home loan—not even the FHA, which is meant to help qualifying sub-prime borrowers to get into homes—and you are in no way entitled to a loan just because you don't like renting and feel you need to buy a place.
That you and Corissa spent so fucking much money on Door Dash in the last year and a half that it has made FHA lending agents do a double-take and question you about it should be a wake-up call for you and Corissa regarding your financial incompetence.
You two both have enormous outstanding debts. Neither of you has any savings at all with which to make a down payment. In Corissa's case, her financial records will most certainly reveal that she has problems with impulsive spending on clothing and other non-essentials. She no doubt justifies those shopping hauls as a business expense in her pseudocareer as an influencer, but when she's spending $400+ on a kayak, or traveling to host a fat girl pool party, and drives a car she needlessly spent over $50K on (and is probably still paying off)—when she has over $100K in debt and $0 in savings, she is going to receive intense scrutiny and questioning about where all her money goes. That is because lower-income, financially competent people who are good risks don't act that way. And they sure as fuck don't use Door Dash to order restaurant dinners every damned night (or close enough).
Questioning the number of Door Dash transactions isn't about some belief you should eat less, or an example of institutionalized fatphobia at work. It has nothing to do with hating fatties at all. It has to do with the fact you spend a huge amount of money in stupid, lazy ways that only add to your shitty risk profile.
Capitalism, at its root, is when humans voluntarily exchange value for value. A lender offers a financial product—home loans—and the borrowers offer value by their ability to not only repay the loan, but interest on it.
Corissa knows all about this mutual exchange of value under capitalism: some sad fatty gives her money, and gets a "Fat Bitch" shirt she'll probably never have the guts to wear in public in return. Corissa does not give away "Fat Bitch" shirts to every sad fatty who moans about how she needs one, and how unfair it is that she's expected to pay Corissa's asking price for it. She does not offer "Fat Bitch" shirts on a sliding, need-based scale, because she knows she'd go broke if she did.
You two couldn't lead the lives you already do without capitalism; you are both products of and avid participants in it. So to go on about how much you hate capitalism, when what has really happened is that you've brought to a voluntary transaction a conspicuous lack of value to trade, just makes you look stupid and childishly entitled.