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MPA: How to root out discrimination in the mortgage industry

MPA, September 20, 2022, How to root out discrimination in the mortgage industry

As the National Community Reinvestment Coalition (NCRC) explains on its website, the maps document how loan officers, appraisers and real estate professionals evaluated mortgage lending risk during the era immediately prior to the suburbanization surge of the 1950s. Neighborhoods considered high risk or “hazardous” were often redlined by banks, NCRC explains, denying them access to capital investment that had the potential to improve the housing and economic opportunities of residents.

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Redlining and Neighborhood Health

Before the pandemic devastated minority communities, banks and government officials starved them of capital.

Lower-income and minority neighborhoods that were intentionally cut off from lending and investment decades ago today suffer not only from reduced wealth and greater poverty, but from lower life expectancy and higher prevalence of chronic diseases that are risk factors for poor outcomes from COVID-19, a new study shows.

The new study, from the National Community Reinvestment Coalition (NCRC) with researchers from the University of Wisconsin–Milwaukee Joseph J. Zilber School of Public Health and the University of Richmond’s Digital Scholarship Lab, compared 1930’s maps of government-sanctioned lending discrimination zones with current census and public health data.

Table of Content

  • Executive Summary
  • Introduction
  • Redlining, the HOLC Maps and Segregation
  • Segregation, Public Health and COVID-19
  • Methods
  • Results
  • Discussion
  • Conclusion and Policy Recommendations
  • Citations
  • Appendix

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