lenders had black and Hispanic majorities, and the 10 areas with the lowest rates were mainly non-Hispanic white. The analysis showed that even when median income levels were comparable, home buyers in minority neighborhoods were more likely to get a loan from a subprime lender. Discrimination motivated by prejudice is contingent on the racial composition of neighborhoods where the loan is sought and the race of the applicant. Lending institutions have been shown to treat black and Latino mortgage applicants differently when buying homes in white neighborhoods than when buying homes in black neighborhoods. An example of this occurred in the 1960s and 1970s on the near northside of Chicago. Thousands of blacks, Latinos, and poor people were systematically dislocated and prevented from acquiring loans by realtors and lending institutions with the blessings of the city's urban renewal program. A 2015 Measure of America study commissioned by the American Civil Liberties Union examined the likely effect of discriminatory lending leading up to the financial crisis on the racial wealth gap for the next generation, and found that, among families that owned homes, white households had started to rebound from the worst effects of the Great Recession while black households were still struggling to make up lost ground. The analysis projected that the racial wealth gap will be significantly greater in the next generation because of the differential impact of the Great Recession. Reverse redlining Reverse redlining is a term that was coined by Gregory D. Squires, a Professor of Sociology and Public Policy and Public Administration at George Washington University. This phenomenon occurs when a lender or insurer particularly targets minority consumers, not to deny them loans or insurance, but rather to charge them more than would be charged to a similarly situated majority consumer, specifically marketing the most expensive and onerous loan products. These communities had largely been ignored by most lenders just a couple decades earlier. However these same financial institutions in the 2000s saw black communities as fertile ground for subprime mortgages. Wells Fargo for instance partnered with churches in black communities, where the pastor would deliver "wealth building" seminars in their sermons, and the bank would make a donation to the church in return for every new mortgage application. There was pressure on both sides, as working-class blacks wanted a part of the nation's home-owning trend. A survey of two districts of similar incomes, one being