Federal data shows that minority applicants for home loans are more often denied loans than white applicants. I’m looking specifically at Home Mortgage Disclosure Act data for the Louisville, Ky. Metropolitan Statistical Area. Requirements: I’d like someone with a background in banking and lending. Knowledge of minority lending efforts is also strongly preferred. A person who has familiarity with the loan underwriting process would also be preferred. I also need information on what is considered an acceptable denial rate for minority applicants.