A new study conducted by the Urban Institute for the Department of Housing and Urban Development reports that there continues to be discrimination against mortgage candidates on the basis of race and ethnic background. The study examines all aspects of the lending process from the way pre-application inquiries were handled to the higher interest rates quoted minority candidates to denial rates that are not accounted for by considerations of creditworthiness. The report makes detailed recommendations for changes in lending procedures that the authors believe will do far more than the genuinely "good intentions" of many institutions cited in the report.