1.   Although the number of mortgage loans made to minorities has increased sharply, minorities still are more likely to be rejected for a loan than white applicants.

2.   And no mainstream politician is eager to explain the virtues of racial diversity to parents of white applicants whose places are taken by nonwhites with lower test scores.

3.   Another demand on Bush is achieving diversity, a hurdle for such white male applicants as Cellucci.

4.   At one car dealership, a white applicant was interviewed for a sales position while the African- American was offered a job washing cars.

5.   Black and Hispanic applicants with good credit histories were about as likely as white applicants with comparable records to receive bank approvals for mortgages, the study found.

6.   Black and Hispanic applicants with good credit histories are about as likely as white applicants to receive bank approvals for mortgages, the study found.

7.   A white applicant from rural Appalachia may contribute more to the student body than a nonwhite applicant from suburban Atlanta, the judges said.

8.   According to the admissions grid, those numbers would put a white applicant on the waiting list and admit a black applicant.

9.   But in the suit, and in subsequent interviews, department officials declined to specify why white applicants found the examinations easier than miniority applicants.

10.   But some white applicants have already questioned the guidelines, saying they opened a new avenue for the school to admit black and Hispanic students with lower academic qualifications.