Finance
Under Ohio law, a lender who refuses to provide a loan because the house is in 'need of repair' without considering the borrower's creditworthiness may be engaging in:
ASound underwriting practice
BProperty condition redlining — a potential fair housing violation based on geographic/property discrimination✓ Correct
CLegal risk management
DStandard appraisal-based lending policy
Explanation
Using property condition as a blanket excuse to avoid lending in certain areas can constitute a form of redlining and may violate the Fair Housing Act if it disproportionately impacts protected classes in those areas.
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