Americans increasingly doubt they’ll get approved for a loan to buy a car or refinance a mortgage, according to a survey conducted by the Federal Reserve Bank of New York.

About a third of respondents expect they’d be rejected to refinance their mortgage in the next year, while the share for auto loans rose to 31.8% — a record in data over the past decade, according to the February survey.

Actual rejection rates aren’t that high, but some are rising — crucially at a time when applications for credit broadly are the highest since October 2022, the New …