Buying a house is easier if you are White, and the road to recovery from the housing bust is harder for Latinos and Blacks.

That’s the tough reality revealed in Zillow’s latest race and homeownership analysis published Monday.

In 2013, 21.9 percent of Latinos and 27.6 percent of Blacks who applied for a mortgage were denied, compared to only 10.4 percent of White applicants.

Home values in Latino neighborhoods fell an average of 46.3 percent during the recession, compared to 32.1 percent in Black communities, 23.6 percent in White areas, and 19.2 percent in Asian areas.

“Home values in Latino and Black communities have further to climb before getting back to peak levels, while home values in White and Asian neighborhoods have returned or nearly returned to their peak levels,” reads the report.

In Philadelphia, the loan denial rate was 21.1 percent for Blacks, 16.7 for Latinos, 12.6 for Asians and 8 percent for Whites.

Finances and geography play a role, but according to Zillow Chief Economist Stan Humphries, the housing playing field remains strikingly unequal.

The good news is that the home values in Latino and Black communities are expected to rise faster over the coming year.