Aug 7, 2019
Have you heard of redlining? If so, do you know what it means
today? And are you aware that the Federal Housing Administration
(FHA), created by President Roosevelt in 1934, actually
institutionalized the system of discriminatory lending in
government-backed mortgages in America?
Today, we're talking about redlining. In the 1930s, government
surveyors, developed by the Homeowners Loan Coalition, graded
neighborhoods in 239 American cities, using color-coded maps to
indicate the level of security for real estate investments. These
maps were based purely on assumptions about the various
Tune into this episode of Dear White Women to hear about the
Federal Housing Administration and why it was created, to learn
about what redlining is and how it impacted homeownership almost a
century ago, and to find out how all of this ties into patterns of
- The function of the FHA is to provide mortgage insurance on
loans made by FHA approved lenders throughout the United
- The color-coded maps were not at all about the ability of
households to satisfy lending criteria because they were based on
assumptions about the community.
- What the different colors indicated about the
- The FHA publications at the time implied that different races
should not share neighborhoods.
- In 1941, a white developer built a concrete wall between the
white and black areas so that the white people could obtain
- Statistics from the Federal Reserve show that white families
now have ten times the net worth of black families and more than
eight times that of Hispanic families.
- Some things that people were asked to put on the mortgage loan
application forms about the neighborhood.
- Creating the foundation for systemic discrimination in terms of
lending, mortgages, and neighborhood construction.
- A National Community Reinvestment Coalition (NCRC) study found
that three out of four neighborhoods that were redlined in the
government maps eighty years ago, continue to struggle
- The problem with gentrification.
- Systemic issues and the after-effects of redlining.
- How architectural changes became a signal of gentrification,
with white buyers, and non-whites being forced out.
- What you can do to remedy the situation.