They say that the average credit score in black Census tracts is 108 points lower than in white tracts.

他们说黑人的平均信用评分统计是108，比白人的低。

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Americans are on the move again, this time from exurb and suburb to downtown, not only where you might expect it -- San Francisco -- but also where you wouldn't: Cleveland's most central census tracts added 20% to their population from 2000 to 2010.

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The resulting increase in the supply of mortgage credit likely contributed to the rise in the homeownership rate from 64 percent in 1994 to about 68 percent now with minority households and households from lower-income census tracts recording some of the largest gains in percentage terms.

NPR: Transcript: Bernanke on Mortgages, Foreclosures