See, my checking account is at BlueBank (it was originally at nice-people's-smallbank; four acquisitions later it's at BlueBank). Weirdly, I am 10+year employee of RedBank but I do not bank here (a weird decision whose roots I think are in my resentment of my first boss here, the most eye-poppingly incompetent boss in business history, but that's a whole 'nother thing).
Well it is time to apply for a loan (neighborhood of $6K, mostly for a car but also to consolidate some cc debt) and I figured why not just walk in to RedBank's "Financial" division (subprime lending; my score isn't as bad as it was four years ago but I bet it's still well under 700) and see how I fare. Surely RedBank will take less time to validate my employment
Then I thought what if the loan officer asks me why I don't bank at RedBank; Redbank has a huge "cross-selling" culture so I am certain there will be an attempt to have me bring my retail business over...and what I wonder is, is that going to impact the loan decision, and if it does...is that legal?
I know of course they're not allowed to consider race, gender, etc in loan decisions, but are they allowed to say, "Well we prefer to lend to people who bring their banking business to us?"