Legally, race must not be a factor in mortgage lending in the United States.
However, persistently high rates of loan denials and low rates of African American homeownership tell a different story.
A 2019 Lending Tree report revealed nearly 1 in 10 borrowers get denied a mortgage.
It also found other discrepancies by race and ethnicity.
For instance, black borrowers have the highest denial rates, at 17.4%.
Non-Hispanic white Americans have the lowest rates of denial, at 7.9%.