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This is the Internet. You can post comprehensive, overwhelming, irrefutable proof and people will still argue.
Did the article say anything about their payment history? That looks like the only variable they didn't mention.
I noticed the article indicated that the analysis didn't include credit score, available cash deposit, and relationship history with the lender. Honestly, it is usually credit score and cash on hand that gets you approved to receive a loan, debt to income ratio to determine maximum loan amount, and property value to pass underwriting requirements.
CNN's response is basically, we don't have the credit scores because it isn't in the public data, and sort of glosses over it from there.
Now, I'm all for rooting out implicit and systematic bias, especially with systems that have profound effects on life trajectory, and I think credit scores are particularly prone to disadvantage minorities, but I feel like CNN really could have done better here. I know they asked the bank for credit score data, but the bank can't release that information to a third party like that. I would have liked to see CNN being in some more expertise on the subject.
I'm contrast both NPR and NYT have done much more thorough investigative journalism on these topics. NPR in particular did a great podcast on how black home owners were routinely having their homes appraised for markedly less than white peers, and NYT covered discrepancies in underwriting outcomes even when credit history was the same.
I think CNN saw the easy article against this particular bank and took it to fill column space.
The fuck? I don't have relationships with blood sucking financial parasites. Who here is playing golf on the weekend with bank CEOs?
that's not what's meant. they mean, how long you've had an account with them, whether you have multiple accounts or loans with the institution, if you've been late in paying or carried very minimal balances or have a history of harassing customer service to the point customer service felt the need to record it.
it's your relationship with the institution, not the ceo, and whether you've been a good customer or not really.