Ottawa
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What places refuse car rentals under 25? Are there other factors at play?
Most places do IIRC. It has to do with insurance premiums being higher for drivers under 25, so if the rental place can assure their insurance company that no drivers will be under 25 then they get a better rate.
This is common across the US, is it different in ither countries?
I faced this from most of the large Canadian rental agencies when I was in that age bracket back in the 2000s - I only found one at the time that would rent to me, and they required the credit card of someone over the age of 25 (which they didn't tell me until I actually showed up to pick up the vehicle). Things may have changed in the last decade or so but this isn't something new for Canada.
I have rented cars in the US when I was under 25. They just add a daily "underage" fee that's ~$30-40.