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Reply to "Woah, Navy Federal is hella racist"
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[quote=Anonymous][quote=Anonymous][quote=Anonymous]Navy Federal had stricter standards for POC vs whites, so that should mean that whites had a much higher default rate as they got more high risk loans?[/quote] Not necessarily. Whites are more likely to receive an inheritance than other groups and tend to have family members to borrow money from etc. My in laws for example have been borrowing money from friends and family to pay their mortgage forever. And they’re college educated from UC/UMC background, just kind of lazy. [/quote] Not sure if that's true but if so the credit companies would want to factor it into their risk rating. I'd think the default ratio would be the true test of the quality of screening.[/quote]
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