Latest / AI Ethics with Fexingo: Bias, Safety, and Responsible Artificial Intelligence
How AI Learned Bias from Housing Appraisal Algorithms
Episode 117 of AI Ethics with Fexingo examines how AI models used in home appraisal and mortgage underwriting have absorbed and amplified historical housing discrimination. Lucas and Luna walk through a specific 2025 study from the Urban Institute that found automated valuation models systematically undervalued homes in majority-Black neighborhoods by 8 to 12 percent compared to similar homes in white neighborhoods. They trace the root cause: training data from the 2010s that encoded decades of redlining and steering practices. The conversation also covers the 2024 FHFA rule requiring…
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