Men's Self Vibe Check-In

Ignite Speaks is all about checking your vibe and sparking positively from within. 

We're doing more than transforming the impact of wellness jewelry, we're enhancing who you already are. 

Greatness exists within all of us. With our intentional jewelry and our purpose to promote overall wellness, your vibrational experience is a frequency you can't help but embrace. Check-In Men! What's your vibe?

What You Feel You Attract - Physical

  • Be intentional about active refresh points daily
  • Shave/Get a Haircut - Be mindful of your outer grooming, it supports feeling great about who you are
  • Check your nutrition. What goes on the inside shows up on the outside

What You Think About Expands

  • Mind your thoughts on things that bring joy
  • Constant subtle positive reminders throughout the day (playlist, post its etc.)
  • Imagine. Create. Inspire.
    • What you imagine you create
    • Identify your purpose
    • Write down what speaks to you from within
    • Visualize your desired outcome daily

 

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Black people are 80 percent more likely to be denied home loans than similarly-qualified white counterparts, a new
investigation has found. 

Native Americans, Asian/Pacific Islanders and Latinos are also being rejected
by algorithms at far higher rates than white people in the US.

The findings are at odds with the lending industry’s longtime claims that high rejection rates are down to financial characteristics rather than race. 

The analysis looked at 17 variables, including race, sex, loan amount, property value and income debt-to-income ratio.

This digital embed shows how many people of each ethnic group would likely be denied if 100 similarly qualified applicants applied for mortgaged in the U.S.

In an analysis of more than 2 million conventional mortgage applications from 2019 for homes reported to the government, found that, in comparison to similar white applicants, lenders in the US were:

80 percent more likely to reject Black applicants 

70 percent more likely to deny Native American applicants

50 percent more likely to turn down Asian/Pacific Islander applicants

40 percent more likely to reject Latino applicants

Freddie Mac and Fannie Mae were founded by the federal government to spur
homeownership and now buy about half of all mortgages in America.

As a result, they essentially set the rules from the very beginning of the mortgage-approval process.

They require lenders to use a particular credit scoring algorithm, ‘Classic FICO,’
to determine whether an applicant meets the minimum threshold to
be considered for a conventional mortgage in the first place, currently a score of
620.

Launched more than 15 years ago based on data from the 1990s,
Classic FICO is widely considered detrimental to people of color because it rewards traditional
credit, to which they have less access than white Americans. 

This digital embed shows how many people of each ethnic group would likely be denied if 100 similarly qualified applicants
applied for mortgaged in the Los Angeles region of California.

This digital embed shows how many people of each ethnic group would likely be denied if 100 similarly qualified applicants applied
for mortgages in the Charlotte region of North Carolina

It doesn’t consider, among other things: on-time payments for rent,
utilities, and cellphone bills – but will lower people´s scores if
they get behind on those bills and sent to debt collectors. 

Unlike more recent models, it penalizes people for past medical debt after it´s
been paid.

Yet Fannie and Freddie have resisted a stream of plaintive requests since 2014 from advocates, the
mortgage and housing industries, and Congress to allow a newer model.

They did not respond to questions about why.

The approval process also requires a green light by Fannie
or Freddie´s automated underwriting software. 

Not even their regulator, the FHFA, knows exactly how they decide, but
some of the factors the companies say their programs consider can affect people differently depending
on their race or ethnicity, researchers have found.

For instance, traditional banks are less likely than payday loan sellers to
place branches in neighborhoods populated mainly by people of color.

Payday lenders don´t report timely payments, so they can only damage
credit.

Gig workers who are people of color are more likely to report those jobs
as their primary source of income, rather than a side hustle, than white gig workers.

This can make their income seem more risky.

Considering an applicant´s assets beyond the down payment,
which lenders call ‘reserves,’ can cause particular problems for people of
color. 

Largely due to intergenerational wealth and past racist policies,
the typical white family in America today has eight times the wealth of a typical
Black family, and five times the wealth of a Latino family.

White families have larger savings accounts and stock portfolios than people of color.

In written statements, Fannie said its software analyzes applications ‘without regard to race’ and both Fannie and Freddie
said their algorithms are routinely evaluated for compliance with fair lending
laws, internally and by the FHFA and the Department
of Housing and Urban Development.
HUD said it has asked the pair to make changes as a result, but would
not disclose the details.

Many large lenders also run applicants through their institutions´ own underwriting software.
How those programs work is even more of a mystery; they are also proprietary.

Crystal Marie McDaniels said buying a house was crucial for her because she wants
to pass on wealth to her son

The new four-bedroom house in Charlotte, North Carolina, was Crystal Marie and Eskias McDaniels´ personal American dream, the reason they
had moved there from pricey Los Angeles.

A lush, long lawn, 2,700 square feet of living space, gleaming kitchen,
and a neighborhood pool and playground for their son, Nazret.

All for $375,000.

Pre-qualifying for the mortgage was a breeze: They had high credit scores, earned roughly six
figures each and had saved more they would need for the down payment.

But two days before they were supposed to sign, in August 2019, the loan officer called Crystal Marie with
bad news: The deal wasn´t going to close.

‘It seemed like it was getting rejected by an algorithm,’ she said, ‘and then there was a person who could
step in and decide to override that or not.’

She was told she didn´t qualify because she was a contractor, not a full-time employee – even though
her co-workers were contractors, too.

And they had mortgages.

This digital embed shows how many people of each ethnic
group would likely be denied if 100 similarly qualified applicants applied for mortgaged in the Chicago region of Illinois.

Crystal Marie´s co-workers are white.

She and Eskias are Black.

‘I think it would be really naive for someone like myself to not consider that race played a role in the process,’ she
said.

When the AP and The Markup examined cities and towns individually,
they found disparities in 90 metros spanning every
region of the country.
Lenders were 150% more likely to reject Black applicants in Chicago than similar white applicants there.
Lenders were more than 200% more likely to reject Latino applicants than white applicants in Waco, Texas, and to reject Asian and Pacific Islander applicants than white ones in Port St.

Lucie, Florida. And they were 110% more likely to deny Native
American applicants in Minneapolis.

‘Lenders used to tell us, `It´s because you don´t have the lending profiles; the ethno-racial differences would go away if you had
them,´’ said José Loya, assistant professor of urban planning at UCLA who has studied public mortgage data extensively and reviewed
the methodology.
‘Your work shows that´s not true.’

McDaniels closed on her home despite the fact was told she didn´t qualify because she was a contractor, not a full-time employee – even though her co-workers were contractors, too 

The American Bankers Association, The Mortgage Bankers Association, The Community Home Lenders Association, and The Credit Union National Association all
criticized the analysis.

In written statements, the ABA and MBA dismissed the findings for failing to include
credit scores or government loans, which are mortgages guaranteed by the
Federal Housing Administration, Department of Veterans Affairs and others.

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