The secret bias hidden in mortgage-approval algorithms

I have worked in this industry for 5 years. I have worked with countless individuals regardless of race, gender, or creed to help them purchase homes and refinance. This article is missing information and I can only guess just what they missed by not doing their due diligence here. Off the top of my head there could have been several reasons why there was a delay in clearing the file to close, not the least of which is the need to clear any possible judgments that might have popped on a judgment search, a missed issue by an underwriter that could have possibly affected the loan and needed to be resolved by less than traditional means, or even an issue with the seller that the buyer was not allowed to know about. Like I said, I have been in this industry for 5 years and the banking industry in general for another 2, and this story reeks of inaccuracy.