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Former employees say Wells Fargo loan officers marketed the most expensive loans to black applicants, even when they should have qualified for prime loans.
Mortgages extended to African Americans often carried higher fees than those to white subprime applicants -- even when the borrowers' credit profiles and other factors were about the same.
Studies suggest that employers often favor white job seekers over black applicants, even when their educational backgrounds and work experiences are nearly identical.
The figures support previous analysis by the Guardian which found that white applicants to some of Oxford's most competitive courses were up to twice as likely to get a place as black or minority ethnic applicants, even when they achieved the same A-level grades.
In multiple cases it found shockingly different treatment for white and minority applicants even when their criminal histories were similar.
In addition, the MSC had refused certification to nine other applicants, even when no-one had lodged an objection, the group said.
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Even when applicants had less severe conditions, such as high cholesterol, insurers often sought to limit costs by charging higher premiums, increasing deductibles or modifying benefits.
Ms. Shiu said "the beauty" of the 4,000 regular audits her office does each year was that they could find evidence of bias even when applicants had not filed complaints and did not realize they had faced discrimination.
But even when applicants from only ABA-approved schools are compared, New York still passed a substantially greater percentage than California in 2004, as did most other states.
It is harder for NW applicants to enter medical school, even when they achieve equivalent A level grades to W applicants, although the net result of selection is that the A level distributions of White and non-white entrants are much more similar than in applicants.
Furthermore, this approach would rely on applicants providing this information honestly, even when it might not be in their best interest to do so.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com