So, let’s all check back in on this in 5 years when we can see if this bank was willing to lend to people who couldn’t get loans from traditional banks because they were deemed to be too risky of a lender. It is a vast untapped market that has gone without credit since 2008 when George Bush wanted to increase the proportion of black homeowners by letting banks offer zero down no collateral mortgages.
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I mean the banks, in general, changed how they make money. They no longer make money off lending people and receiving interest rates. But rather invest it in securities or stock markets to make a large profits. It just doesn’t compare with interest rate payment.
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