30-YR FIXED6.55% +0.0615-YR FIXED5.93% +0.1110-YR TREASURY4.57% +0.0230-YR TREASURY5.09% +0.015-YR TREASURY4.28% +0.022-YR TREASURY4.16% +0.03FED FUNDS3.75% 0.00SOFR3.62% -0.02DOW52,146 -407S&P 5007,458 -76Freddie Mac · U.S. Treasury · Federal Reserve via FRED®30-YR FIXED6.55% +0.0615-YR FIXED5.93% +0.1110-YR TREASURY4.57% +0.0230-YR TREASURY5.09% +0.015-YR TREASURY4.28% +0.022-YR TREASURY4.16% +0.03FED FUNDS3.75% 0.00SOFR3.62% -0.02DOW52,146 -407S&P 5007,458 -76Freddie Mac · U.S. Treasury · Federal Reserve via FRED®
Sunday, July 19, 2026Bay Area Market: Coverage updated daily

Black-White Mortgage Denial Gaps are Widest Where Applicants are Most Financially Stretched

Key findings Black-white mortgage denial rate gaps are higher in lower-income, less-expensive housing markets. A meaningful share of the variation across markets is associated with black-white differences in applicant income and in the share of applicants carrying very high debt burdens. Black applicants are denied mortgages at higher rates than white applicants in every one…

Curated News BriefBased on original reporting by Zillow Research (June 12, 2026). The summary below is the Journal’s; the local analysis is original commentary by Omar Murillo.

Key findings Black-white mortgage denial rate gaps are higher in lower-income, less-expensive housing markets. A meaningful share of the variation across markets is associated with black-white differences in applicant income and in the share of applicants carrying very high debt burdens. Black applicants are denied…

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This is a Journal news brief. For how this story applies to your specific situation, talk with Omar Murillo.