It's lamented that blacks are "the last hired" and, during an economic downturn, "the first fired," because blacks are terminated before whites. That's seen as evidence of discrimination by white employers, but white employees are terminated before Asian-American employees. Is that employer discrimination against whites? Intellectuals accept statistical data as showing discrimination when it reinforces existing preconceptions and reject or ignore it when it doesn't.
It's the same story in the housing market. Newspapers, television commentators, civil rights leaders, academics and politicians see racial discrimination as the cause for black mortgage loan applicants being rejected more frequently than white applicants. In 2000, black applicants were turned down for prime mortgage loans twice as often as whites; however, white applicants were turned down nearly twice as often as Asian-Americans.
The racial discrimination explanation requires that we believe that white bankers racially discriminate not only against blacks but against whites, as well. It also requires that we believe that black-owned banks are in cahoots with white-owned banks, because they, too, turn down black mortgage applicants more often than white applicants. The true explanation is not rocket science. Lenders prefer to lend to people who will pay them back. Average credit scores are higher among whites than blacks and higher among Asian-Americans than whites.
My own conclusion is that black people waged a successful civil rights struggle against gross discrimination. It's white and black liberals, intellectuals, academics and race hustlers who have created our greatest hurdle.