References to which of the following could indicate bias based on religion?

References to churches can indicate bias based on religion because they explicitly mention a specific religious institution and might influence perceptions about a neighborhood's desirability or make assumptions about the residents' values or lifestyles. In real estate and appraisal practices, mentioning churches may imply that the area is more suited for individuals of a certain faith, which can shift focus away from a neutral assessment of properties based solely on their physical characteristics or market data. This type of reference can inadvertently suggest an expectation that the community is homogeneous in terms of religious beliefs, leading to a potential bias against those who may not share those beliefs.

On the other hand, terms like "pride of ownership," "well-maintained," and "high-crime area" do not carry intrinsic religious connotations. Instead, they relate to general property characteristics or social conditions that might suggest other types of biases (like quality or safety perceptions) without specifically referencing religious affiliations. Thus, the mention of churches stands out as the most definitive indicator of potential religious bias.