Or maybe younger people can't afford homes and the data is showing that, not bias.

This is certainly the case with me, and absolutely every other person I know in their 20s/30s who isn't in a upper-management position at a large company. I'm currently making above the median family income in my country and have no hope of owning a home anywhere near I can get work.

Meanwhile my old co-worker that I used to work with at Safeway as a teen bought a house in the 70s working as a shelf-stocker. In fact both of my co-workers at the time were 40-60 and bought a house working part-time as shelf-stockers early in life. You think a shelf-stocker at Safeway has any hope of buying a house today?