mortgage discrimination played a significant part in the real estate bubble that popped during the later part of 2008. it was found that minorities were disproportionately steered by lenders into subprime loans. the division of neighborhoods into school districts that avoid integration and end up investing on the "whiteness" of their neighborhoods, and the resulting residential and social segregation of whites from blacks in the united states, creates a socialization process that limits whites' chances for developing meaningful relationships with blacks and other minorities. the wealthy also control some of these divisions, which results in the minorities being excluded due to the low levels of income in most minority neighborhoods. the segregation experienced by whites from blacks fosters segregated lifestyles and leads them to develop positive views about themselves and negative views about blacks. many blacks and latinos have been discriminated against when applying for jobs because of stereotypes about work ethic based on race, and having a name that sounds "black" can sometimes lead to that person being denied an interview. minorities are less likely to obtain key information regarding job interviews and are often denied access to high-paying jobs.