I have owned 5 homes in my life time since leaving...

I have owned 5 homes in my life time since leaving the military. I have financed and refinanced numerous times with many financial institutes as the interest rates changed or I needed to draw from equity for home improvements, debt consolidation etc. When I moved to the Dallas area in 1997 I started seeing their commercials. I kept it in mind. After a few years of owning our home the interest rates went down and we decided to check rates. I called this place and my call was not returned. Again I called and again no return call. I went elsewhere. A few years later again I saw the commercial and decided to try again as rates had changed. I got through then. We gave the required info and waited. I had also shopped around with other lenders. I had not gotten a response from them after a few days. I called them and was told I had been denied. I asked why. They said credit did not pass. I asked how. I have 1 house payment, 2 car payments and 3 credit cards all up to date payment wise for several years. My score is over 800. They told me I would get a letter. I went with another lender with the lowest rate at the time around 4% which 2 financial lenders had fought to get my business. I don't know why as I never got that letter. Guess I should have had the BBB check them out at the time. I wasn't concerned at the time. Now I really wonder why they did not. I was employed earning $100+K at the time.