Pearson said that CNN’s analysis “does not accurately reflect our practices” because it did not account for “major criteria required by any financial institution to approve a mortgage loan.” Those factors included “credit score, available cash deposits and relationship history with lender,” he said.

This is the important bit. They didn’t even account for the most basic of approval criteria. CNN didn’t even deny it. Just said that the banks refused to provide that information (because, duh, it’s private).

There are federal lending regulations that require strict numbers-based criteria. There are no personal opinions involved in the underwriting process.

Ignoring basic criteria because “well they wouldn’t give it to us!” is just dishonest and more of your typical race-baiting “journalism”.