Mortgage Discrimination

 

This resource page offers articles, websites, and videos for those who are interested in learning more about mortgage discrimination in depth. 

 

Overview of Mortgage Discrimination:

 

Articles: 

 

“Fair Lending” by the U.S. Department of Housing and Urban Development https://www.hud.gov/program_offices/fair_housing_equal_opp/fair_lending 

 

“History of Fair Housing” by  U.S. Department of Housing and Urban Development

https://www.hud.gov/program_offices/fair_housing_equal_opp/aboutfheo/history

 

“Mortgage Discrimination” by the Federal Trade Commission 

https://consumer.ftc.gov/articles/mortgage-discrimination 

 

“What Is Lending Discrimination?” by Denny Ceizyk 

https://www.lendingtree.com/home/mortgage/what-is-lending-discrimination/

 

“What Is Redlining?” By Candace Jackson

https://www.nytimes.com/2021/08/17/realestate/what-is-redlining.html

 

“Hidden In Old Home Deeds, A Segregationist Past” By Julie Rose (NPR)

https://www.npr.org/templates/story/story.php?storyId=122484215  

 

“​​Mortgage discrimination: Does it still exist?” By Mortgage Fit

https://www.mortgagefit.com/blog/does-mortgage-discrimination-still-exist.html#:~:text=Mortgage%20discrimination%20means%20denying%20home%20loan%20to%20individuals,financial%20institutions%20like%20banks%20and%20other%20lending%20organizations 

 

“THE HOLC MAPS: HOW RACE AND POVERTY INFLUENCED REAL ESTATE

PROFESSIONALS’ EVALUATION OF LENDING RISK IN THE 1930S” 

https://www.nber.org/system/files/working_papers/w28146/w28146.pdf 

 

Books: 

 

Charles Abrams, Forbidden Neighbors: A Study of Prejudice in Housing (New York: Harper & Brothers, 1955).

 

City Roots Community Land Trust and Yale Environmental Protection Clinic. Confronting

Racial Covenants: How They Segregated Monroe County and What to Do About Them.

Rochester, NY: City Roots Community Land Trust. 2020.

 

Websites: 

 

North Carolina Office of Administrative Hearings

https://www.oah.nc.gov/civil-rights-division/housing-discrimination

 

National Fair Housing Association 

https://nationalfairhousing.org/ 

 

Videos:

 

Housing Segregation and Redlining in America: A Short History | Code Switch | NPR

https://www.youtube.com/watch?v=O5FBJyqfoLM 

 

One hour documentary inspired by the Mapping Prejudice Project:

https://www.youtube.com/watch?v=XWQfDbbQv9E 

 

Systemic Racism Explained

https://www.youtube.com/watch?v=YrHIQIO_bdQ   

 

Other Mortage Discrimination Websites:

 

Mapping Inequality: Redlining in New Deal America 

https://dsl.richmond.edu/panorama/redlining/#loc=5/39.1/-94.58

 

Mapping Prejudice 

https://mappingprejudice.umn.edu/index.html 

 

The Lasting Legacy Of Redlining

By Ryan Best and Elena Mejía

https://projects.fivethirtyeight.com/redlining/ 

 

Hacking into History: Discovering Racial Covenants in Durham Property Deeds

https://www.nccu.edu/research-projects/hacking-history-discovering-racial-covenants-durham-property-deeds