Consumers living in minority communities were more likely to have non-prime credit scores, while individuals in mostly-white neighborhoods were more likely to have prime credit scores, according to a report released Tuesday by Woodstock Institute.

The Chicago-based non-profit research group into fair lending issues found that 20.3 percent of Illinois residents had credit scores below 620, a common cutoff point to be considered for prime interest rates.

In contrast, 54.2 percent of the population in overwhelmingly-black neighborhoods had scores below 620. Only 16.5 percent in mostly-white neighborhoods had credit scores below 620.