Analysis of Racial and Economic Disparities in Home Purchase Mortgage Lending Nationally and in Sixty Metropolitan Areas: Sonoran Desert Conservation Plan

The study finds that if minority families owned homes at the same rate as whites of a similar age and income, there would be an additional 3.5 million homeowners today. A major factor contributing to this gap is that minority and lower income famimlies experience continuing, and in many cases growing, inequalities in obtaining the financing necessary to purchase a home.