I think you could make the argument that government (via HUD and the private GSE’s) were a contributing factor but that article is pure shite.

The hilarious part is that they refer to this as a “smoking gun”.

Its just a 20 page memo about not discriminating based on protected class (like race or gender).

That discrimination does occur too.

I have seen it up close.

Here is one of my favorite examples:

While working at a bank several years ago, our manager froze the account of a car dealer because she felt “that Arab guy uses too much cash for a business”.
He was Persian.
I asked what he was doing wrong and mentioned that he was Persian.
My manager’s comment:
“Well what’s the difference? Anyway, I just don’t trust him.”

I managed his account.
I know there was nothing wrong on our end.
I have no knowledge as to whether he was an ethical business man or not.