Originally Posted by
Alcibiades
Only statements for accounts involved in the purchase (down payment, etc) need be provided.
That is untrue according to most current underwriting guidelines.
If you can find a loan originator willing to exempt some small accounts, all the better. But, for the most part, Underwriting will have the list of accounts and will be looking for statements or an explanation for why any statements are missing.
For what it's worth, as others note, don't lie. If you are asked, tell the truth. If you aren't asked, there is nothing to answer.