Previous studies have shown that as the percent black or percent Hispanic grows, that group's residential segregation from whites tends to increase as well. Typically, these findings are explained in terms of white discriminatory reaction to the perceived threat associated with minority population growth. The present analysis examines whether…

This article shows that, after decades of inequality, the 1990s saw sudden and dramatic increases in lending to low income and minority groups. Drawing in part on the work of Williams, Nesiba and McConnell (2005), we argue that government deregulation, industry restructuring and government-insured loans all fueled this growth by increasing the…