Home loan

I app**** for a joint bond with my Husband via a property agency, after a week I received a call that my application was unsuccessful however they are sending it for a review, on the 23rd I called in again and I was advised that we can only qualify for 90% that means we have to pay a deposit of which we don't have and what really disappoints me with my bank is the fact that we have been with them for many many years and we have credit cards and loans which are being conducted well. I really regret banking with standard bank because I know for a fact that if I was with Nedbank I was going to get the bond approval. If the bank that I have been with for years cannot give me the benefit of the doubt who should? I am really disappointed with Standard bank .