loan preapproved, docs lost, then loan rejected in a few mins of finding docs???

I app**** for a loan this morning through the call centre and I qualified for quite a reasonable amount. The agent told me to email my docs through to Bayport, which I did immediately. He advised that they would get back to me during the course of the day. I received a reference number and confirmation of receipt of the documentation. Just before 3pm I followed up and was told that the docs hadn’t been loaded and I must resend the docs. I advised that I received an email from the confirming receipt of the docs. They advised that they would go to the administrators to follow up. I called back in about 15 minutes and was told that the docs were just uploaded and were gonna be reviewed. While still on the phone with the agent, an sms came through saying that the application wasn’t successful. The agent checked and advised that the system was just updated and the reason that that it was rejected was for affordability. My concerns are that if I didn't follow up, how long would it have taken them to send the docs for reviewing, also, that it means the review took them approximately 10mins, if not less, to complete. Surely that’s very little time. Secondly since the amount was quite high, why did they not consider reducing the loan amount and check for affordability then. very disappointing