Can you cite the scientific proof? From what I've seen, race is correlated with default probability after taking other obvious factors into account (e.g. income

Can you cite the scientific proof? From what I've seen, race is correlated with default probability after taking other obvious factors into account (e.g. income, education, single motherhood). Figure 7 of the underlying paper we are discussing shows exactly that - a white/asian person with a 700 FICO score has about a 10% chance of defaulting, while a black person with a 700 FICO has about a 15% chance of default. (Those numbers are eyeballed from the graph, might not be that accurate.) I can't cite all the information I have on this, but I've found a blog post which analyzes similar data and derives similar relationships in publicly available data: https://randomcriticalanalysis.wordpress.com/2015/11/22/on-the-relationship-between-negative-home-owner-equity-and-racial-demographics/#my_analysis https://randomcriticalanalysis.wordpress.com/2015/11/22/on-t...