Could the unfolding credit crunch create updated forms of quasi-redlining by lenders, in which categories of borrowers, loan types, credit profiles and locations suddenly are shunned or priced out of reach?

In that event, could buyers of second homes, non-owner-occupied properties, high-rise condos and central-city rowhouses -- or people with minimal bank reserves, depressed FICO scores or the wrong ZIP code -- face rougher times in the mortgage meat grinder?

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