FNB is Ungenuine

I would like to express my disappointment & frustration with the bank i called called home for over 15yrs.I have started with FNB from a student account to Private Wealth account. I have asked for a further loan from by existing house which i have built cash, Evaluators(From FNB) came & valued it at R3 066 305.00, i have only asked for R1 500 000.00. I have been refused on the basis bank scoring. FNB has refused to grand me funds but yet this year alone gave me unsecured loans of over R140 000 which i have started to paid off part of it & to add salt to my wounds i always receive pre-approved unsecured loans, from the same bank. I then came to a conclusion that my bank FNB rather give me unsecured debs because they will be making a lot of money on the interests than on a secured loan because it is just not much. with the offers they pre-approve, my monthly installments will be more than what i will pay if they gave me on a secured loan. If this does not prove your disingenuous way of conducting business then i don't know what would. (FNB rather give me a loan of R300 000 unsecured knowing i ll pay them 12K a month than give me a million(On a secured property) knowing you will pay around 8K. All i have asked is a further loan to payoff all my debts and remain with only one home loan. I am looking at my other options which include closing my account with FNB. This is by far my worst experience with FNB which has resulted in me not trusting you and highly disappointed with you. I always hear of how disingenuous banks are but i never thought that it includes my bank. This is one bank which DOESN'T GIVE A DAMN.