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Are people in your city likely to be denied a mortgage because of race?

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Foreclosed home

A for sale sign lays on the ground in front of a foreclosed home in Homestead, Fla., on March 24, 2009. Florida became a poster child for the housing crisis during the Great Recession.

The Fair Housing Act was created 50 years ago to prevent discrimination in lending. How is it doing today?

The Associated Press analyzed millions of loan records for 409 metro areas and found 61 where people of color continue to be routinely denied conventional mortgage loans at rates far higher than their white counterparts.

The odds of denial ratio refer to how often a minority group is likely to be turned down for a loan in that city. Any city above a certain ratio may be redlining applicants. For example, input a ratio of 1.0 or higher to view a list of all cities where whites are more likely to get loans than people of color. Note that in smaller sample sizes, some ratios will not be statistically meaningful.

How does your city or state stack up? Use our database to search by state, or add a city in the keyword. Click on the details link to see the numbers for each ethnicity.  

Analysis by Reveal from The Center for Investigative Reporting.

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