America's financial crisis disproportionately cut access to conventional mortgage loans for minority communities compared to predominantly white neighborhoods, according to a study released on Thursday. Reckless subprime mortgage lending during the recent economic boom sparked the worst housing crisis and downturn since the 1930s, wiping out trillions of dollars of home equity and retirement savings. Borrowers in minority neighborhoods received many of the most reckless, unaffordable subprime loans that caused the subprime crisis.