Mortgage not approved due to private road

I'll try and make this short. I have been in the process of purchasing a land/mobile home package since February. Its 5 acres off of a private road that all land owners have deeded title to. A few days before closing the lender said that the loan specialist finalizing the closing documents said the loan couldnt be done. The issue is the private road. In the event that we didnt pay the lender says they couldnt access the private road to repo the mobile home. We were told we can get a separate land loan and add the home. Doesnt make sense to me. If I default on payments wouldn't they want the land loan because that would give them access to the home by means of deeded title to the private road. If I secure a land loan separately then they would not have access to the private road?