Shallow credit report is getting in the way of obtaining a mortgage?

My husband and I are currently in the market for a house. The bank pre-qualified us for $ 166,000 with the VA loan but the duplex we’ve found is $ 140,000. We submitted our loan application and were denied based on a “shallow credit history”, meaning we haven’t had credit long enough to be trusted by Navy Federal Credit Union. The credit we do have is very good. We currently have no debt. I am thinking of applying for a loan at a different bank, as advised by Navy Federal.

Would another bank approve us?

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