what factors are lenders allowed to consider 
banks may legally take the following factors into consideration when deciding whether to make loans to applicants and on what terms housing discrimination is illegal if you think you ve been discriminated against based on race religion sex marital status use of public assistance national origin disability or age there are steps you can take 8 one such step is to file a report to the consumer financial protection bureau cfpb or with the u s department of housing and urban development hud lenders must evaluate each of the above factors without regard to the race religion national origin sex or marital status of the applicant 7mortgage applicants and homebuyers who believe that they might have been discriminated against can take their concerns to a fair housing center the office of fair housing and equal opportunity at hud or in the case of mortgages and other home loans the cfpb 910