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While Chart 6 showed us that New York Citys CDFIs lending is concentrated among lower-income homebuyers compared to non-CDFIs, it did not tell us whether these institutions are actually more likely to approve a mortgage for any given borrowerin theory, the difference in borrowers income composition could result from CDFIs simply having a larger pool of low-income applicants, even if their underwriting standards are ultimately the same as those of non-certified lenders