It's no secret to anyone that lending has been tight after the bubble popped. But it turns out the impact of that problem hasn't been felt equally. A new fact sheet from the Woodstock Institute reports that women are having a harder time getting home loans than men and that the picture is even worse for women of color. The institute looked at people living in the Chicago area and found that joint home purchase mortgage applications headed by women were 24 percent less likely to actually get a loan than male counterparts. For African American women, that number jumps to 34 percent. Worse, women are far less likely to be able to refinance their current mortgages. Female-headed joint refinance applications were 39 percent less likely to succeed, and that number is 44 percent for African-American women.