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'Stay woke' about your mortgage: Hidden truth of the 2025 interest rate rollercoaster. Deep-web loan data exposes a staggering 0.75% discrepancy between advertised 'mortgage loan interest rate' averages and actual approved rates for certain zip codes, suggesting algorithmic redlining is back. The hidden truth: non-bank lenders using AI models are quietly scoring borrowers based on neighborhood spending habits, not credit history.