The department shall refuse issuance of a certificate of title if any required fee is not paid or if:
(1) the department has reasonable grounds to believe that the applicant is not the owner of the vehicle;
(2) the department has reasonable grounds to believe that the application contains a false or fraudulent statement;
(3) the applicant fails to furnish required information or documents or any additional information the department reasonably requires; or
(4) the applicant has not paid at least one month's registration tax or registered the vehicle under section 168.187.