The White House has rejected a bipartisan Senate proposal to address the nation’s housing crisis. The $15 billion measure included a significant Democrat concession dropping a proposal to allow bankruptcy judges to modify mortgage rates in individual cases. Critics had said the measure would have mostly benefited the homebuilding industry while offering little to millions of homeowners facing foreclosure. But on Tuesday, the White House said the plan still goes too far in aiding homeowners who failed to pay their loans.