There are a few reasons why you might have been denied credit. If you do not have sufficient income, have been employed or residing at a residence for a very short-time, or simply a have poor credit history, lenders will tend to deny you. If you are denied because of credit, you are entitled to a copy of your credit report they referenced. At the very least, you will see what your credit score is and other possible reasons why you were denied. Be sure to clean up inaccuracies and also do your homework so that you know what your own loan to value, debt to income and credit score is.