DENVER, Colo (KKCO) That's according to a study by the Center for Advancing Health at Harvard. The study used federal mortgage data for 2010. In Grand Junction, nearly 25% of hispanics, and nearly 29% of blacks were denied refinance loans. That's compared to nearly 17% for non-hispanic whites. Both Wells Fargo and Bank of America have agreed to pay a combined half-billion dollars to settle allegations of discrimination. Both have denied wrongdoing.