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Also, how does that compare with other financial institutions?
It's a well known fact that black people are more likely to live in poverty or to at least be raised in it, that's not very good to build a credit score!
Also, mortgages are approved by computers, not humans, the computer doesn't know your skin colour, it knows your financial situation.
It's the widest but what's the rate for the other institutions? Is 29% the worst but the best is only a 4% difference or is it a 20% difference? I'm sure you know exactly what I'm saying, I just find it frustrating that it's always the best or the worst that gets talked about when it's the whole portrait that's important.
Yeah. The concern I have with these things is when a constellation of metrics is assembled for the purpose of decision making, each data element on its own innocuous seeming, but together they manage to encourage training bias. Which is part of the concern around machine learning models being used to make real world decisions.
In this case there may well be a structural issue with the navy credit union, but I don't think CNN showed that as well as they think.