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More than likely the Hispanic and Black profiles indicated less cash savings, less retirement savings, more unsecured debt (both in credit cards and car loans), and more credit mistakes, e.g., late payments etc. Or perhaps, in the case of some Hispanic borrowers, lack of legal residency status.I wonder if the DOJ factored that particular demographic detail into their comparisons against &#3m3si9ilar&#;9; credit profiles. Seeing as how the most recent census refused to even inquire about it, I'm rather doubtful.