Poor or insufficient credit remained the most frequently cited reason for denying a loan application, according to Inside Regulatory Strategies’ analysis of the most recent Home Mortgage Disclosure Act data. Home lending data for last year showed that lack of credit history accounted for 26.2 percent of loan rejections reported by lenders. For whites, credit history accounted for 26.6 percent of denials, while 32.3 percent of rejected blacks were for this reason. … [One data table included]