There is one other thing that is important to remember: A lender can not reject your loan application based on your decision not to use credit or a lack of credit history. (consumerbadcreditguide.com)
This is different from banks that often reject loan applications due to the reasons that were given for needing them. (mortgagebrokerstore.com)
Credit issues are one of the top reasons lenders reject loan applications. (totalmortgage.com)