Lenders; Denied on Pre-Approval, no consistency! Why is this?

[Breonna Mahana]

I genuinely need answers from professionals. My husband & I have spoken to 6 different lenders. Each one we have spoken to gave us a different answer to why we can't get approved, please help me understand why.

Our situation is this: We both have 2 full time jobs each, have employment history for the past forever, we make $100k annually each. 

Paid off all our debt, have a little over $10,000 in stocks.

His credit score; 730-760 / My credit score; 610-630

We have been in the same field of work for 3+ years, left previous positions because of higher salary with no gap in positions. By January, we will have $30k saved for a downpayment, we are shooting for a house in the 400k-500k range. 

Reasons being told no by these lenders:

1. We can only use 1 of your jobs each, nobody can use both of your combined income, that's not how lending works.

2. Income is enough, but haven't had same job for 2+ years, so that's unreliable income, can't use it ( worse explanation ever)

(even though we left previous position cordially due to a higher salary, doesn't matter)

3. Yes, WE DO have a program for you being Black, but you make way to much money to qualify for the program. (In order to qualify for the program for being black, you have to earn waaaaaaaay under the median annual income; P.S I don't)

4. Well, if we go based on your employment, on a 500k house, you'll need $120k as a downpayment.

5. Even with $30k as a downpayment, we are going to need 6 months worth of cash reserves; then we can TRY, no promises.

Why are we getting all these different answers, that all equal NO, not right now.

We obviously are going to have to push back our purchasing date, and we will continue to save a ridiculous amount of money. My question is why is it so difficult, why so many different explanations, and what's our best approach?

Please & Thank you!