Redlining Project

The ends of the college and pro football seasons were already a perilous time for people recovering from a gambling addiction. Then came the onslaught of ads for legal sports betting.

Not Even Past maps redlining maps from the 1930s with maps of health dispartities today, showing enduring contours of marked inequality in American cities over the past century.

Redlining in New Deal America

Graph and download economic data for Share of African Americans in Home Owners Loan Corporation (HOLC) Neighborhood A from 1910 to 2010 about HOLC, redlining, shares, African-American, 10-year, and USA.

Graph and download economic data for Homeownership Rates by Race and Ethnicity: All Other Races: Asian, Native Hawaiian and Pacific Islander Alone in the United States from 1994 to 2022 about native hawaiin, Pacific Islands, asian, homeownership, rate, USA, latino, hispanic, non-hispanic, white, and African-American.

A state’s severe racial disparities are traced back to restrictive real estate covenants.

PDF | On May 18, 2021, William Darity and others published Race in America: Reparations William Darity and A. Kirsten Mullen on direct payments to close the racial-wealth gap | Find, read and cite all the research you need on ResearchGate

PDF | On May 10, 2022, William Darity and others published The Cumulative Costs of Racism and the Bill for Black Reparations | Find, read and cite all the research you need on ResearchGate

The real estate market is so structured by race that Black families will never come out ahead.

Setting up emergency savings and creating new ways to build wealth are some ideas that could increase the economic resiliency of U.S. families.

The racist policy of redlining caused homeowners in a “redlined” neighborhood to miss out on $212,000 worth of home equity, leading to lower homeownership rates for Black families and overall economic inequality.

Subprime mortgages are loans granted to borrowers with low credit scores—usually below 600—who would not be approved for most conventional mortgages. Because of the risk that comes with granting a loan to such borrowers, these loans generally come with high interest rates. There are fixed and adjustable rate subprime mortgages available. The ARM is the most common type, sometimes confusing and misleading borrowers with the initial low fixed rates, and following jump to much higher adjustable rates. There are pros and cons to such mortgages: PROS: It allows people with low credit scores a chance to own a home without going through years of trying to establish a better credit history. Subprime loans can help borrowers fix their credit scores, by using it to pay off other debts and then working towards making timely payments on the mortgage. CONS: Closing costs and fees are generally higher with subprime loans; the lender tries to get as much money up front as possible because of the increased risk and chances of the borrower defaulting. Even though credit scores aren’t a determining factor for qualifying for the loan, income is. Borrowers must show that they have sufficient income to finance the monthly mortgage payments.

In partnership with Vox Media Studios and Vox, this enlightening explainer series will take viewers deep inside a wide range of culturally relevant topics, questions, and ideas. Each episode will explore current events and social trends pulled from the zeitgeist, touching topics across politics, science, history and pop culture -- featuring interviews with some of the most authoritative experts in their respective fields. In this episode: Cory Booker and others discuss how slavery, housing discrimination and centuries of inequality have compounded to create a racial wealth gap. US Rating: TV-MA. This show is designed for for mature audiences only. For more information and educational resources, please visit: https://media.netflix.com/en/company-blog/free-educational-documentaries SUBSCRIBE: http://bit.ly/29qBUt7 About Netflix: Netflix is the world's leading streaming entertainment service with over 167 million paid memberships in over 190 countries enjoying TV series, documentaries and feature films across a wide variety of genres and languages. Members can watch as much as they want, anytime, anywhere, on any internet-connected screen. Members can play, pause and resume watching, all without commercials or commitments. Explained | Racial Wealth Gap | FULL EPISODE | Netflix https://youtube.com/Netflix

Not Even Past maps redlining maps from the 1930s with maps of health dispartities today, showing enduring contours of marked inequality in American cities over the past century.

Map the childhood roots of social mobility

Author Richard Rothstein says the housing programs begun under the New Deal were tantamount to a "state-sponsored system of segregation," in which people of color were purposely excluded from suburbs.

The Federal Reserve Board of Governors in Washington DC.

Home values in the vast majority of neighborhoods that were “redlined” as hazardous for mortgage lending by the federal government 80 years ago are lower now than in areas rated more highly.

Short Film based on the book, The Color of Law by Richard Rothstein. The forgotten history of how our federal, state and local governments unconstitutionally segregated every major metropolitan area in America through law and policy.

Members of the Contract Buyers League recount their fight against racist real-estate practices.

By Richard Rothstein Racial segregation characterizes every metropolitan area in the United States and bears responsibility for our most serious social and economic problems — it corrupts our criminal justice system, exacerbates economic inequality, and produces large academic gaps between white and African American schoolchildren. We’ve taken no serious steps to desegregate neighborhoods, however, because we are hobbled by a national myth that residential segregation is de facto — the result of private discrimination or personal choices that do not violate constitutional rights.