As we reported Friday, it is true that at least statistically it is harder for blacks and hispanics to get mortgages than it is for whites and asians. However, while the news isn’t necessarily good, it’s not completely dire, either. At least we can say that the picture is improving. Conventional loans for blacks, for example, had approval rates improve by more than 4 full percentage points from 2013 to 2014. According to the statistics, we still have a long way to go, but at least the trend is in the right direction.