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If they are refused loans, applicants are not told why.
Like most banks, it refused loans to homebuyers once house price growth stalled.
Patricia Connell, an elected representative of the French community in Britain, said that several expats had reported being refused loans.
Iran was shocked this week when Chinese banks refused loans to Iranian businessmen, probably because of American pressure.
The Federation of Small Businesses said its members are still refused loans to buy machinery, cover cashflow problems and expand sales.
The Redrow boss fears that first-time buyers are most affected and blames a "worsening mortgage famine" for pushing the average age of an unassisted first-time buyer up to 37 as thousands of creditworthy would-be buyers were refused loans.
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After banks refused loan requests, some small businesses in the United States turned to microloans like those offered in the third world.
In recent months it has pressed the Metropolitan Museum of Art and several other museums around the world to return objects and, to increase its leverage, it has refused loan requests to some.
The banks can be usurious; they can withdraw capital and refuse loans.
Economists do not even agree whether people are reducing debts voluntarily, or whether banks are forcing a change in lifestyle by refusing loans and reducing borrowing limits.
More collapses of small firms, caused by banks refusing loans to pay for buying young fish from freshwater hatcheries and transporting them to sea cages, look likely.In this section What's it worth?
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com