Asian Americans have the highest credit scores in general says this report but they also get turned down for loans more than white people did you know that? I used to be a commercial lender and my job was to review loan applications so I would look at all the factors of their credit worthiness. My boss who had been a lender for 40 years takes the application from me and while I'm telling him that they don't have enough money to pay back the loan he writes approved on it.