Emmanuel Martinez

Emmanuel Martinez

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This article reports on an investigation by a team of journalists that found that applicants of color were significantly more likely than White applicants to be denied home loans based on nationwide 2019 data. In an analysis of more than 2 million loan applications, this disparity ranged from 40% more likely for Latino applicants to 80% more likely for Black applicants, despite comparable metrics and credit scores. Given these findings, the article questions the use of traditional credit scoring models and automated underwriting systems.