As long as the house is owned by property rights (individual property rights: state-owned land can be used for 7 years, and Dahong property certificate), it can be mortgaged in the bank. I don't know why you didn't get the loan, but as long as your qualifications are ok (here, the qualifications include: good credit information, no very bad record, clear repayment source, good economic foundation, assets including movable property and real estate, stable job, etc.), any bank is willing to give you a loan.

The problem of off-site loans is ok, but this kind of business is done by local banks. If foreign banks want to do it, they need to know the situation through local banks. Besides, let foreign bank loan officers go so far to make an evaluation. Unless they earn a lot of money (your loan amount is large) or foreign banks really have no business to do, no one wants to go so far to do it.

If you want to know clearly, the best way is to find a professional lending institution locally or go directly to the bank for consultation, because I am from Dalian and I don't know your specific situation. Local professionals know all about it, so they can help you.