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Banks and mortgage companies still do relatively little business among minorities and in minority neighborhoods. That applies to even the biggest banks, which under law must serve the entire area where they take deposits. Lenders still reject minority mortgage applicants far more frequently than whites. Even high income minorities are rejected more frequently than whites with lower incomes. These patterns don't prove illegal discrimination. But taken with interviews with dozens of loan applicants, bankers, community activists, regulators and researchers, they show that barriers to minority homeownership still stand.