You are asking, "Who are you looking for when the bank has no loan authority to find a specialized agency?" You can change the bank loan with the loan authority.

Generally speaking, banks have the right to lend, because banks increase their own running amount by borrowing, so generally speaking, both branches have the right to lend, but the loan amount is the same.

Some small banks don't have the right to lend, so they just need to change to a big bank to lend.