Either find another loan officer, or if you want you can educate the loan officer you're dealing with now.
Refer them to IRS Publication 17, page 91, third column "Who should itemize" at https://www.irs.gov/pub/irs-pdf/p17.pdf where it states: You should itemize deductions if your total deductions are more than your standard deduction amount.
So if your standard deduction was higher than your itemized deductions, a SCH A was not required. Therefore, the TTX program did not generate the form.
