Credit-related issues were the number one reason that would-be mortgage borrowers had their applications for credit turned down last year, a review of data filed under the Home Mortgage Disclosure Act reveals. Nationally, 13.6 percent of mortgage applicants were denied last year, a figure that was virtually unchanged from 2003. Denial rates were slightly higher on conventional refinance loans, than on purchase money loans, 14.7 percent compared to 12.3 percent...