Denying loans to poor people is normal underwriting, you're *supposed* to decide whether to give them a loan based on their income and credit history Redlining means throwing out applications before you even look at the numbers because the address is in a "Black neighborhood"https://twitter.com/michaelharriot/status/1227846159319867393 …
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hmm... this is not entirely true. Reverse redlining was used to deliberately offer toxic loans to borrowers in redlined neighborhoods. Many toxic "designed to fail" mortgages were offered, but non- whites still had worse terms than whites, based on redlining...
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... the fact that those neighborhoods had _not_ been offered loans for so long made it easier for predatory lenders to target those demographics by not fully disclosing terms and by brokers lying to underwriters.
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