The lender is concerned your wife may have an equitable interest in the property. Without knowing for how long the two of you made your house the marital home, it is difficult to say whether (or to what extent) your wife has an interest in the property. I suggest you consult privately with an attorney as your question touches on real estate and family law concerns.
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I agree with the prior answer. The lender is correct. It seems that you and your wife have been separated for years. It might be in your interests to pursue a divorce action, not only for the real estate issue but for many other isues that may come up in the future. I would suggest that you consult with a family law attorney.
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The Lender is concerned because as you are married your wife may well have an equitable interest in the property. Your question does not make it clear if you occupied this property as your marital home. There may be other factors involved as well. You do need to consult with an attorney. The issue of your wife's potential interest in the property will not just vanish. It will continue to be an issue should you try to sell the property. You really should address it now so it is dealt with.
For a consultation, please call 973-287-7700. The answering of questions on Avvo.com does not create an attorney-client relationship. The information is only general in nature and not intended as legal advice. I would always recommend that someone consult with and retain a qualified attorney for all legal matters.