hmda's goal is to make sure all applicants are treated fairly. but when roberts received her loan application in the mail, it stated she didn't wish to provide her race. liz: there was no possible way the person on the other end of the phone could have misinterpreted that. meghan: i don't know how he possibly could have. if they change all the white people to "does not report," their percentages for everybody else looks better, so that just really bothered me. liz: quicken loans assured roberts it was an honest mistake and fixed it. still, we wanted to know how often lenders are reporting, "race unspecified" data to regulators. we analyzed all hmda data in california from 2012 to the most recent year on record, 2016. during that time, around 14% of all applicants provided no race information. at wells fargo, the biggest lender in california, it hovered around 10%. but we found quicken loans' numbers are much higher, and they spiked in recent years. in 2016, more than 40% of the applications contained no race data. that's nearly three times the st