The reason that I like the Blake article is that she actually sat down and talked with the bankers. Not enough people actually do this, though I'm hoping I'll get the opportunity to do this in my own research. The bankers say pretty much what you would expect, they don't discriminate on gender, that they look fairly on everyone. And you know, I believe them. This issue arises from a number of levels, from education to parenting and life expectations.
But a big issue is that in people's minds, women are a risky investment because they might want kids in the future and therefore work less hard. This is not a fair way to judge people, men want kids too and will cut down on their work hours once they have them. But it's a view that's so deeply infused in our society that it's hard to get around.