FNB is using me

I am good to take non esential credits but when it comes to essential ones I get declined all the, I app**** for a vehicle loan I was declined only by fnb which I bank with, second vehicle same thing, now home loan same thing, I am taking my business elsewhere, I have multiple accounts with them and my wife too but they can't give us loans and to think I freely recruited many people to this bank only to go through this. If other banks where declining I would think I have a problem.