The Urban Institute has created an interactive map that transforms data on more than 100 million mortgage originations throughout the United States into a compelling visual that identifies borrowers by race and ethnicity over a 12-year period.

“Today’s tight credit environment has constrained mortgage lending and is disproportionately affecting African American and Hispanic households,” the Urban Institute reports. “As a result, these communities have found it harder to take advantage of the low home prices and interest rates that followed the housing market crash, missing an important opportunity to build wealth through homeownership.”

You can view the map here.

According to the Urban Institute, the volume of lending overall and to different racial and ethnic groups fluctuated greatly over the course of the boom and bust, according to records released under the Home Mortgage Disclosure Act.

They note that black and Hispanic borrowers took out a greater share of mortgages as housing prices neared their peak, arguably the worst time to take out a loan.

Then, the nonprofit says, as prices began to drop and buying a home became more affordable, tightened credit standards left many from these same communities unable to obtain or refinance a loan.

From 2005 to 2012, the share of loans made to black and Hispanic households dropped from 23% to just 12%.