We study the effect of racial minority bank ownership on minority credit access. Using new data for 87 million minority … of their mortgages go to borrowers of bank owners' same race. Second, the effect of minority bank ownership on minority … minority bank ownership reducing information frictions and improving credit allocations. …

How do technological advancements in credit markets affect minority communities? We use the endorsement of FICO credit … scores led to the sorting of prime and subprime lenders across minority and non-minority neighborhoods. In minority … neighborhoods prime lenders were substituted by subprime lenders and, as a result, the share of subprime lending in minority …

approval rates to minority neighborhoods following implementation of the pricing disclosure requirement. We also find that the …

significantly underrepresented among mortgage loan officers. Minority borrowers are less likely to complete mortgage applications … reduced when minority borrowers work with minority loan officers. In addition, minority borrowers working with minority loan … suggest that the underrepresentation of minorities among loan officers has an adverse effect on minority borrowers’ access to …

high-minority areas and, within census tracts, to non-white borrowers compared to other banks. This higher propensity (i …