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. …

When credit application experiences are examined, minority-owned small firms are not the discouraged borrowers that … statistical analysis reveals that persistence is necessary but insufficient for minority firms to be successful credit applicants …. At the same time, minority-owned firms overall were more likely than white-owned firms to make repeated attempts to …

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

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

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 …