Please read the article more carefully. The article's authors compared denial rate for black and white applicants by debt-to-income ratio and loan-to-value rati

Please read the article more carefully. The article's authors compared denial rate for black and white applicants by debt-to-income ratio and loan-to-value ratio. The article's authors did not (and could not, because they didn't have the data) compare denial rate by credit score. Credit scores, like every single measure of wealth and socioeconomic stability in the US, are of course correlated with race. > As for credit scores, it was impossible for us to include them in our analysis because the CFPB strips them from public view from HMDA data—in part due to the mortgage industry’s lobbying to remove them, citing borrower privacy.