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This change, in theory, will allow lenders to apply criteria that are the best fit for their communities and expand the pool of creditworthy borrowers.

She discovered that loan officers were more likely to rate the applicants as more creditworthy and more financially sound when the obese version of the photograph was attached.

“Is it right to raise the cost of borrowing for families that have saved up to buy a home to subsidize more families that are less creditworthy?” he said.

Instead, many critics figured that less creditworthy borrowers were getting a break at the expense of those with higher scores.

I’m all about personal responsibility, but tell me how this kind of excessive pricing predicts someone is creditworthy.