1993 HMDA data show that blacks who want to buy a house will have a better chance of having their loan approved west of the Mississippi River (see chart below). The data also show that Southern stereotypes prevail: blacks are less likely to get their loans approved in many Southern metropolitan statistical areas.

Mortgage Marketplace examined HMDA data broken down by metropolitan statistical areas that pointed to the South as having the worst cities for black mortgage loan application approvals. Eight Southern cities made the top 10.

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