This study addresses two related sets of questions. First, how do banks differ with respect to commercial lending across different neighborhoods? Do some communities receive greater or lesser amounts of lending, even when levels of business activity are taken into account? Secondly, and in order to answer this first set of questions, it was necessary to construct a master list of businesses to assess the potential demand for credit in these neighborhoods. Thus, the second set of questions concerns the validity of commercially available business listing sources.