Denial, abnegation, declination, rejection, incompliance.

A bank can turn anyone down for any reason they want - as long as the bank is incompliance with the laws governing fair lending (race, creed, color, sex, religion, national origin etc.). If they see anything that causes them to believe a consumer is an unacceptablerisk, they can absolutely deny the loan request.

Process adherence is the act of following a set of predefined processes in order to complete a task or goals. This could be a companywide process, such as a manufacturing process, or it could be a more personal process, such as a daily routine. Processes can be written down or they can be more informal, but the important thing is that they are followed in order to achieve the desired outcome.