Your bank are idiots.
There is no such thing as a digitally signed tax return.
There is an electronic postmark/proof of filing, that will be one of the pages of the PDF package if you print "all forms and worksheets."
The IRS transcript is 100% proof of what you submitted, and I have never applied for a loan or mortgage (or family and friends I know of) when the bank would not accept a printed copy of the tax returned signed in ink.
You need to contact this loan processors supervisor.
