Were non-blacks with the exact same profile granted loans?
I don’t know. I was at the mall today and most of the black people I saw were dressed to the NINES. Maybe if they stopped walking around shopping all day, stopped carrying the finest bags and other designer clothing, started saving for down payments on a home maybe? I also notice they tend to drive REALLY nice cars and eat out a lot ...much nicer than and much more often than we do. My husband and I drive two 10+ year old vehicles. The third vehicle is a very cheap compact. We eat dinner out about once every other month. But we have a nice home in a nicer neighborhood. You can’t have it all.
Sometimes it takes the ability to delay gratification to save up for a home. It also helps to have a solid family arrangement .... how many single black women are going to pull that off on their own? Or a single black man? Neither my husband or I could pull it off without each other.
These people need to simply learn to marry, stay married, save, and do what everyone else does who manages to buy a home. Be STABLE and keep a job. A lot of them do, but more do not.