SMALL URBAN BANKS HAVE A GOLDEN -- if daunting -- opportunity to grow along with the immigrant groups settling in their service areas, says Francine Justa, executive director of Neighborhood Housing Services of New York Inc.

Since 1980, the not-for-profit, intermediary lender has funded the rehabilitation of 2,408 apartments in New York City -- most recently in Brooklyn's Bedford Stuyvesant neighborhood.

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