Re: On a serious note, if your Daughter earns enough to afford the loan then leave her husband off the application and she wont have a problem.
That's why she walked out....the Bank wanted to ' tie ' her Husband up also... ( but he was still looking for a teacher's position ) ... so sorry lady .. no loan 
Another experience my Wife and I had ... about 11 months ago....we both went into one of the Banks we use and asked for a personal loan for 5k to put up a ' Titan ' Garage.
We have roughly $300k equity in our house .... and a small mortgage still owing. ( just under $100k )
This was their reply ..... turn your mortgage over to us .. then we will approve your application for the P/L
What a 'rort' that is ... that would have incurred release fees from the other bank and more set up fees for the new house loan... ALL AT OUR COST ...!!!
I'll say it again .... They are out to ' bleed ' you as much as they can.
Anyway ... we said ' so sorry ' .... you obviously don't want our business with a response like that.
Once upon a time .... being a Bank Manager was a ' well respected ' position ( I'm talking about when I was growing up as a kid in the 60's ) ..... today ....well I read a 'poll ' not so long ago regarding the worst occupations people despised .... among the worst 5 were Used Car Salesman and you guessed it Bank Managers.
Go for a walk down the street today ... start asking people ...How do you feel about the Banks today .... I'll bet their response wouldn't be nice.... their language would be quiet' colourful ' .
Flash .