Title: HOLC “redlining” maps: The persistent structure of segregation and economic inequality » NCRC
Headings: HOLC “redlining” maps: The persistent structure of segregation and economic inequality
HOLC “redlining” maps: The persistent structure of segregation and economic inequality
Executive Summary
The economic and racial segregation created by “redlining” persists in many cities
Persistent economic inequality
Persistent residential segregation
INTRODUCTION

Content: HOLC “redlining” maps: The persistent structure of segregation and economic inequality » NCRC
HOLC “redlining” maps: The persistent structure of segregation and economic inequality
By Bruce Mitchell PhD., Senior Research Analyst and Juan Franco, Senior GIS Specialist, NCRC / March 20, 2018
December 18, 2018
/ Research
Executive Summary
Eighty years ago, a federal agency, the Home Owners’ Loan Corporation (HOLC), created “Residential Security” maps of major American cities. These maps document how loan officers, appraisers and real estate professionals evaluated mortgage lending risk during the era immediately before the surge of suburbanization in the 1950’s. Neighborhoods considered high risk or “Hazardous” were often “redlined” by lending institutions, denying them access to capital investment which could improve the housing and economic opportunity of residents. View Full Report (PDF)
Download full report (PDF)
Interactive: View and download maps for 114 metropolitan areas
How 1930s discrimination shaped inequality in today’s cities
Reversing the red lines: Disinvestment in America’s cities
Long Description
Example of the original 1938 HOLC “Residential Security” map of Atlanta with color-coded gradation of neighborhoods by risk level. ( Source: Mapping Inequality Project, University of Richmond)
This study examines how neighborhoods were evaluated for lending risk by the HOLC, and compares their recent social and economic conditions with city-level measures of segregation and economic inequality.