A study released this week by the Association of Community Organizations for Reform Now (ACORN) shows increased racial and income disparities in the already discriminatory mortgage lending market. In an insult-to-injury addendum to Indiana"s dismal position as the leading foreclosure state ("Bad Loans and Broken Dreams," NUVO, July 17-24, 2002), the study found Indianapolis had the highest increase in rejection ratio for African-American loan applicants. Nationally, the study found that, in 2001, African-Americans were over twice (2.31 times) as likely to be turned down for a conventional mortgage as white applicants, and Latinos were rejected over one-and-a-half times (1.53 times) more often than whites. This disparity is greater than it was when this study was conducted in 2000 and 1996. The full report can be viewed at www.acorn.org.