Michael Inkman

Fairway Independent Mortgage Corp.

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Michael Inkman | Fairway Independent Mortgage Corporation
5.0
Based on 103 reviews
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Lee Vanvolkenburg
15:43 23 Nov 23
Michael and his team were wonderful to deal with. They were excellent with communication and always available to answer questions. Thank you all!
williams lovos
22:54 16 Nov 23
We close on the house tomorrow! Thank you David and Michael for making my first home buying a smooth process. I had several out of the ordinary situations that would had easily not been possible to get the loan in the time that they were able to approve it. My wife and I are forever grateful for the work the team did. Thank you again!
Mario Silvestri III
16:45 16 Nov 23
Rex Perkins
16:56 15 Nov 23
Everything had been going well over the past two years since refinancing an existing mortgage. The application process, approval, servicing website, everything had been very smooth, nothing but the best service. I then had a minor issue arise. We had a wind loss claim on our home and, unfortunately, I had put off getting the check cosigned until the last minute. An issue arose as part of a minor miscommunication in terms of where the check was to be forwarded for endorsement.

To make a long story short, I feared that this miscommunication and misdirected check coupled with my procrastination were going to result in the check expiring and a huge hassle on my part to go through the process again. Mr. Inkman nor his branch were in any way involved with my account or account management, yet, the check inadvertently ended up in their draft loss department and I feared this would further delay things. I was a bit frantic.

One of those that I emailed was Mr. Inkman. In an era when customer service is not as valued as in the past, I was very skeptical I would meet the deadline. But, to my surprise, Mr. Inkman took it on his own to personally get things done and get the issue resolved. It appears that he tracked down the overnighted check personally, directed it for signature, packaged and overnighted the check back to me. All the while remaining professional and pleasant and providing consistent email updates on the status. It doesn't even look like he delegated, rather taking the initiative and seeing it through on his own.

To me, that's not just doing a job, that's going above and beyond in terms of leadership, professionalism, and customer service. We could not be more happy. And, as a further sign of good will, the Fairway CEO actually emailed me personally to follow-up and assure resolution. Been very happy with Fairway since my refinance, Mr. Inkman's efforts only further reinforce that opinion.
Samer Fallouh
15:01 15 Nov 23
Debbie Salas
21:47 03 Oct 23
This transaction probably would not have happened without Michael. Whenever we hit a stumbling block, he found a way around it! He kept us informed and was a positive light all the way through to the end and beyond.
Thanks
Eric Kieffer
22:46 16 Aug 23
Did business with Michael about 20 years ago and he was happy to help us again. He and his team did a great job. See you in another 20.

The Impact of Gender and Race on Mortgage Approval Rates

July 1, 2025 by Michael Inkman

Addressing Inequity in Lending
The mortgage approval process is a critical step in the path to homeownership. While lending guidelines are designed to promote fair and consistent evaluation, studies have shown that disparities persist based on gender and race. These differences raise important concerns about equal access to credit and the long-term effects on wealth building, community development, and financial equity in the United States.

Understanding the Approval Process
Mortgage approval decisions are based on a range of factors, including credit history, income, employment, debt-to-income ratio, and property value. In principle, these criteria are applied uniformly. However, when outcomes differ significantly across demographic groups, it suggests that deeper systemic issues may be influencing the process.

Disparities by Race
Data has shown that applicants who identify as Black, Hispanic, or Native American are more likely to be denied mortgage loans than White or Asian applicants, even when controlling for key financial variables. In many cases, these applicants are also offered less favorable loan terms, such as higher interest rates or increased fees.

The reasons for these disparities are complex and include factors such as historical redlining, lower rates of intergenerational wealth, unequal access to financial education, and ongoing discrimination within the housing and lending industries. While fair lending laws are in place, enforcement and accountability remain challenges in ensuring consistent application.

Disparities by Gender
Gender also plays a role in mortgage lending outcomes. While the approval rate gap between male and female applicants is narrower than that seen across racial lines, disparities still exist. Single female applicants tend to be approved at lower rates than single male applicants and are more likely to receive higher-cost loans.

Contributing factors may include differences in income, employment patterns, and credit profiles, but bias cannot be ruled out.

Intersectionality: The Overlapping Effects of Race and Gender
For individuals who experience both racial and gender bias, such as Black or Hispanic women, the impact can be even more pronounced. These borrowers may face a compounded disadvantage in the approval process and in the terms they are offered. Addressing the mortgage gap therefore requires a nuanced approach that recognizes how multiple aspects of identity influence financial outcomes.

Long-Term Impact on Wealth and Housing Stability
The effects of unequal mortgage approval rates extend far beyond the individual applicant. Homeownership is one of the most powerful tools for building wealth in the United States. When certain groups are systematically excluded or disadvantaged in the lending process, it limits their ability to accumulate equity, achieve financial stability, and pass wealth on to future generations.

Efforts Toward Equity and Fair Lending
Financial institutions, regulators, and advocacy groups have taken steps to address lending disparities. These efforts include increased transparency in lending data, enhanced training on fair lending laws, and expanded outreach to underserved communities. The use of alternative credit scoring models and community reinvestment programs are also gaining attention as ways to promote equity.

However, meaningful progress requires a sustained commitment to identifying and eliminating discriminatory practices, both overt and subtle. Equal access to credit is not only a matter of compliance but also a moral imperative and an economic necessity. Expanding fair access to mortgage lending helps create stronger families, healthier communities, and a more equitable future for all.

Filed Under: Mortgage Tagged With: Fair Lending, Homeownership Access, Mortgage Equity

Michael Inkman

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michael@michaelinkman.com
Mobile: (214) 762-4659
NMLS #152707

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