Did you try to use a down payment? Can you possibly get a co-signer?

Like someone else said it is usually the ratio of available credit to used credit (i.e. if you have two credit cards each with a 5k limit and you have balances of 6k for both...probably not going to get another loan). Your report will tell you why you were docked points, you're allowed to check it free once a year (but have to pay extra $ to see your actual FICO score).

Sucks, our damn taxpayer money was loaned to all of their sorry asses because they leveraged themselves to the hilt and now they won't even loan it back.