Earlier quoted context omitted.
You've spent years saving up to finally buy a home. You're having a baby in a few months, and you really need the space. You have the down payment ready, your credit is great, you've ticked all the boxes on the application, but you're turned down for the loan. Why? Maybe you walk home through a bad neighborhood. Maybe you sometimes grab a beer at a bit of a divey bar near your office. Maybe you've visited an old frie…
But doesn't this cut both ways? If you don't hang around questionable people, you'd qualify for better rate for loans. Or if your credit score is not very high, but the fact you don't hang around questionable people brings your credit file up a notch and make you qualify.
Who is questionable and who defines it? Gay people were "questionable" for most of history; they would lose their jobs if discovered (that was still true in the US military until very recently). What about Muslims, overtly discriminated against in many places? Poor people? Latinos (someone might suspect they are illegal immigrants)? etc.