SunTrust Bank Mortgage Complaint

SunTrust Bank Mortgage department,

Conventional fixed mortgage Loan servicing, payments, escrow account Florida

I have had a mortgage loan with Sun Trust Mortgage for almost 10 years. In that 10 year period I was late only once with my payment. My interest rate is 6.8 % and I have tried twice to refinance with Sun Trust at a much lower rate. Both times I was told I did not qualify. I find it ironic that I do n't qualify when I have been making my payment on time for 10 years. I also have had credit cards with Sun Trust for years and I have never just made a minimum payment or been late. I have always been in good standing. Is there anything that can be done to lower my interest rate with Sun Trust? I have also been told by Sun Trust and - - that due to the fact that I have a conventional loan not connected to - that I do not qualify for HARP. Thank you for any advise or help you may be able to give me.