I don't think default rates by race should impact an individual's mortgage approval or rates. A responsible individual shouldn't be punished with less favorable

I don't think default rates by race should impact an individual's mortgage approval or rates. A responsible individual shouldn't be punished with less favorable loan terms because of their race. Why should they have to work harder as an individual to prove their credit-worthiness because they were born a certain race? That completely goes against the idea that hard-work and individual responsibility matter.