Grimlock -
Thanks for replying
I see that we are not quite yet on the same page as far as my original concern goes. I must not have explained myself well enough, so I'll give it another whirl.
Quote:
Originally posted by Grimlok
So I'd make the assumption that the person making decisions in your company is either 1) Black or 2) a Black sympathizer or 3) a Black racist (as in racist against whites and this can be a white person). On the same note, I could assume the person who made the decision in my situation was either 1) White or 2) A White sympathizer or 3)A White racist (and I should note could be a black person).
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Well, whereas the person who made the decision on your loan could be one of those options, "The Company" that I work at has no decision makers here when it comes to loans. The underwriting processes are Federally Mandated. Fannie Mae & Freddie Mac are basically governmental agencies that have a huge effect on underwriting (approving) policies and guidelines, and as a result every approval or denial are based on their policies. In essence, what the quote should read is
"...So I'd make the assumption that
the government is either......"
Does that make sense? Some people out there certainly are asses and may allow racial issues to come into play when making decisions, but all Mortgage lending is federally mandated - and it isn't just "may allow racial issues" - in fact, it requires racial information & then makes decisions based off of it.
So in answer to your question - apply with pretty much any bank out there, as you will experience the same underwriting guidelines, including HMDA info, anywhere you go. Preferential treatment based on race is basically required by law.
Hope this clears things up - I'm looking forward to your response