The chart uses data reported under the Home Mortgage Disclosure Act and looks at the change in conventional mortgage refinance originations in the Chicago region between 2008 and 2009 (the most recent year for which data is available).  It breaks these changes out by the race and ethnic composition of the census tract in which the loan was originated.  The chart shows that in predominantly white communities (those less than 10 percent minority), conventional refinance originations more than doubled between 2008 and 2009.  It also shows that in communities of color (those greater than 80 percent minority) conventional refinance originations declined by 41 percent over the same period of time.

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