OK, everyone knows that there’s still discrimination. In fact, there probably always will be. But in a slightly weird piece of data, from a slightly weird source (phys.org), it would seem that the big discrimination still happening in the mortgage industry comes down to responding slowly, or not at all. The research claims that being African American basically results in the same effect as if you had a 71 point lower credit score. So, I promise you this here and now — if you’re African-American, I’ll respond to you with the same speed I would anyone else.