DATA IN DETAIL FULL QUESTION TEXT FOR ANSWER CHOICES THAT WERE ABBREVIATED IN THE REPORT Q32. Now thinking about specific sectors of financial services, money discrimination into their application process how much do you agree or disagree with the following • I frequently do not understand the terms and • I feel that the factors that mortgage lenders use to statements about banks? Please select one response for phrases used by banks determine credit worthiness are biased against each. various groups • I feel that my bank really cares about me • I am willing to travel (drive, take a bus, etc.) further distances or go out of my way to get to a bank that I • I think there is systemic bias and discrimination • The communications I receive from my bank lack have a good relationship with towards certain groups of people within the empathy or cultural sensitivity Q34. How much do you agree or disagree with the following mortgage lending industry • I feel I could go to my bank if I needed reliable statements about mortgage lenders? Please select one • I am more likely to trust a mortgage lender when I financial advice response for each. know they actually understand and can relate to my • I feel as though employees at banks have treated • I feel that my mortgage lender really cares about financial situation and experiences with money me differently due to what I look like me • I frequently do not understand the terms and • I feel I need to change my behavior or appearance • The communications I receive from mortgage phrases used by mortgage lenders when interacting with banks lenders lack empathy or cultural sensitivity • I am willing to travel (drive, take a bus, etc.) further • I am more likely to work with a bank when I see • I feel I could go to a mortgage lender if I needed distances or go out of my way to work with a people who look like me working there reliable advice mortgage lender that I have a good relationship with • I have felt that an employee at a bank has talked • I feel as though mortgage lenders have treated me down to me differently due to what I look like • I think there is systemic bias and discrimination • I feel I need to change my behavior or appearance towards certain groups of people within the banking when interacting with a mortgage lender industry • I am more likely to work with mortgage lenders that • I feel that the factors that banks use to determine look like me creditworthiness are biased against various groups • I have felt that a mortgage lender has talked down • I am more likely to trust a bank when I know that to me employees there actually understand and can • When mortgage lenders use credit scores to relate to my financial situation and experiences with determine loan eligibility, it introduces bias and 36 2021 Edelman Money in Color Special Report