A report released by the National Community Reinvestment Coalition found that the racial composition of St. Louis neighborhoods is a defining trait for the probability of receiving a mortgage loan. Its report also examines how the lack of banking institutions in predominantly black neighborhoods perpetuates the problem.
http://m.riverfronttimes.com/newsblog/2016/07/19/black-st-louis-neighborhoods-cut-off-from-mortgage-lending-banks-report-finds