Is it legal to deny a person''s right to apply for credit if they are physically unable to sign their loan application?

Many lenders will allow a verbal loan application initially but then require either an electronic or "wet" signature to verify the accuracy of the information submitted. This is for regulatory reasons in many cases. Even if you could do a work around for the application, the borrower would have to evidence his or her intent to pay the loan, and it is reasonable for the lender to require some type of signature as it will need that to take to court if the borrower defaults. As specific power of attorney should be a fix to this challenge.