"All we're saying is, this is what the data show: Female applicants are less likely to get loans originated than male applicants," lead researcher Spencer Cowan told the Chicago Tribune. "We don't have basic underwriting criteria … we don't have the value of the property or any credit score range or debt-to-income ratio.”
Cowan concedes the study lacked certain data – including applicant credit scores – and, as such, refused to outright accuse lenders of any gender bias.
