Grats on paying off your debts, that's great news...
As to why your mom was rejected for the loan it's hard to say. Again, maybe her
debt-to-income ratio is not favorable right now. Perhaps the bank was spooked by some factor in her credit history. Or it could be as simple as a clerical error on the loan application.
Before applying for a high interest rate loan, find out what went wrong with this one. There may be a simple explanation. Plus, applying for too many loans hurts your credit score, so it'll pay to find out how to fix the problem before applying for more.