--- title: Minorities Face Significant Barriers to Home Ownership in the U.S. description: Black and Hispanic Americans face barriers to home ownership running from difficulties getting a mortgage to less stable home prices canonical: https://time.com/3700741/black-hispanic-mortgage-disparity/ author: Justin Worland article:opinion: false article:content_tier: free article:published_time: 2015-02-09T15:48:02.000Z article:modified_time: 2026-02-22T04:15:16.127Z article:section: U.S. og:title: Minorities Face Significant Barriers to Home Ownership in the U.S. og:description: Black and Hispanic Americans face barriers to home ownership running from difficulties getting a mortgage to less stable home prices og:url: https://time.com/3700741/black-hispanic-mortgage-disparity/ og:site_name: TIME og:image: https://static.time.com/v3/assets/bltea6093859af6183b/bltde093bcdab65f2d0/6988d9b9bc6cfc69913e2a3c/time-logo.jpg?branch=production og:image:width: 1200 og:image:height: 675 og:image:alt: TIME og:type: article twitter:card: summary_large_image twitter:title: Minorities Face Significant Barriers to Home Ownership in the U.S. twitter:description: Black and Hispanic Americans face barriers to home ownership running from difficulties getting a mortgage to less stable home prices twitter:image: https://static.time.com/v3/assets/bltea6093859af6183b/bltde093bcdab65f2d0/6988d9b9bc6cfc69913e2a3c/time-logo.jpg?branch=production --- # Minorities Face Significant Barriers to Home Ownership in the U.S., Report Says  by [Justin Worland](/author/justin-worland/)  ## Justin Worland Senior Correspondent Feb 9, 2015 3:48 PM CUT  by [Justin Worland](/author/justin-worland/)  ## Justin Worland Senior Correspondent Feb 9, 2015 3:48 PM CUT Minorities continue to face significant barriers to home ownership in the U.S., [according to a new report](http://zillow.mediaroom.com/2015-02-09-Black-Applicants-More-Than-Twice-as-Likely-as-Whites-to-be-Denied-Home-Loans "undefined"). The report, released by online real estate database Zillow, shows a significant disparity in home ownership, property values and home loan approval rates between white and minority communities. **Read More**: [The Long, Tangled Roots of the Michael Brown Shooting](http://time.com/3104128/michael-brown-ferguson-cop-shooting-protests/ "undefined") More than 25% of loan applications by black applicants in the U.S. are denied, compared with 10% of their white counterparts, the report found. Additionally, nearly three in four white Americans own their homes, compared to less than half of black and Hispanic Americans. The value of homes owned by minorities also tended to be less stable. While prices in white neighborhoods have largely recovered from the economic downturn of 2008, home prices in predominantly black and Hispanic neighborhoods remain well below peak levels. “It’s clear that the housing playing field remains strikingly unequal in this country,” Zillow Chief Economist Stan Humphries said in a statement. ```json [{"@context":"https://schema.org","@type":"NewsArticle","@id":"https://time.com/3700741/black-hispanic-mortgage-disparity/","mainEntityOfPage":{"@type":"WebPage","@id":"https://time.com/3700741/black-hispanic-mortgage-disparity/"},"headline":"Minorities Face Significant Barriers to Home Ownership in the U.S., Report Says","datePublished":"2015-02-09T15:48:02.000Z","dateModified":"2026-02-22T04:15:16.127Z","description":"'It's clear that the housing playing field remains strikingly unequal in this country'","url":"https://time.com/3700741/black-hispanic-mortgage-disparity/","keywords":["Race","housing","Research","Civil Rights","justice","zillow","home ownership","mortgages","lending"],"thumbnailUrl":"","author":[{"@type":"Person","name":"Justin Worland","jobTitle":"Senior Correspondent","url":"https://time.com/author/justin-worland/"}],"articleSection":"U.S.","image":[],"publisher":{"@type":"Organization","name":"Time","url":"https://time.com/","logo":{"@type":"ImageObject","url":"https://time.com/images/logo.png","width":528,"height":156},"foundingDate":"March 3, 1923","sameAs":["https://www.facebook.com/time","https://www.instagram.com/time/?hl=en","https://twitter.com/time","https://www.pinterest.com/timemagazine"]}},{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"/section/us/","name":"U.S."}},{"@type":"ListItem","position":2,"item":{"@id":"/tag/race/","name":"Race"}},{"@type":"ListItem","position":3,"item":{"@id":"https://time.com/3700741/black-hispanic-mortgage-disparity/","name":"Minorities Face Significant Barriers to Home Ownership in the U.S., Report Says"}}]}] ```