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Why do so many Blacks and Latinos continue to suffer disproportionate denials for mortgage loans?A recent analysis of the 2015 Home Mortgage Disclosure Act (HMDA) data by the Center for Responsible Lending (CRL) sheds further light on the fact that even years after a national recovery from the housing collapse, the American Dream remains elusive for much of Black America.
Latino consumers received more with 162,317 loans, but far less compared to 765,880 for Whites.
“Although the nation’s banks have largely recovered from the financial crisis,” continued CRL, “the 2015 HMDA data illustrate that they are not using their rebuilt capital to create homeownership opportunities, particularly not for borrowers of color and low-income families.” “Before the Great Recession,” added Rothstein, “half of all African-Americans owned their own homes. Before the Great Recession, the net worth of African-American homeowners averaged 4,000. This was not a natural calamity that befell the Black middle class but one precipitated in part by unlawful banking and governmental practices.” When it comes to homeownership, the facts are clear.
The real question for Black America is, ‘what do we intend to do about it?
“The HMDA data has shown a persistent difference in denial rates by race and ethnicity and this year is no exception,” wrote CRL.
“20.8 percent of African-American applicants were denied a loan in 2015 compared to 16.1 percent of Hispanic applicants and 10 percent of non-Hispanic white applicants.” Last year, more than 6 million home purchase mortgages were made, but only 51,202 or 2.7 percent were conventional loans to Black home buyers.
I have installed a fresh instance of Drupal, restored a database backup into the new db, replaced the sites folder with a backup of sites for the original location and edited to point to the new database.
When I try and access the restored site I get this message: PDOException: SQLSTATE  Access denied for user 'aaaa-dr90'@'10.0.1.38' (using password: YES) in lock_may_be_available() (line 167 of /home/sites/xxxx.org/public_html/yyyyy/dr845/includes/lock.inc).
The database user name aaaa-dr90 is the user name for the site in its original location - for some reason it doesn't seem to be picking up the new user in
Any thoughts on what I have forgotten to change in this migration process ?
As a result, many Whites were able to build up significant wealth that contributes to stronger credit profiles.
At the same time, unequal mortgage lending policies made it harder for Blacks to own homes and thereby denied many wealth-building opportunities that could be shared from one generation to another.
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