1. 银行不接受你父母的赠款可以理解，因为他们批准的是你贷款金额，如果你的downpay是借来的， 那你的还款金额就变大了，银行贷款的风险就大了。
2. 但是拒绝你的2nd stock brokerage acct 就没有任何理由了， even you did not list it in your initial application. Yet all transactions need to be "recorded and traced", it refers to the fact that you can show the Origination of the funds, so if you can supply your 2nd stock acct statement showing all funds was originally under your name, then there is no any reason for them to deny your application.
3. They did not reply to your email or phone call, most likely it was because they were busy. If your loan application was declined, they will need to notify you formally rather than just ignoring you.
4. I went through the similar process, out of 30 calls i made, they were only able to pick up the phone once or twice, which indeed drove me crazy, they were simply too busy.
Good luck
