Home-Oriented Lending, Minority Market
Opportunities in Detroit

Reaching emerging markets is no longer a twentieth century question of fair lending compliance but a twenty-first century growth requirement. The U.S. Census Bureau projects the combined buying power of Black, Latino, Asian, and Native Americans will increase more than 40 percent during the next five years.

As today's overheated residential housing market cools, emerging markets are hot. This map illustrates a small bank's opportunities to serve emerging minority markets in the Detroit, Michigan, area. By overlaying emerging market boundaries on market potential and branch network, the bank practices "greenlining," noting emerging communities for their potential and seeing the glass as half full, not half empty.