Residential Security, Risk, and Race: The Home Owners' Loan Corporation and Mortgage Access in Two Cities

  title={Residential Security, Risk, and Race: The Home Owners' Loan Corporation and Mortgage Access in Two Cities},
  author={Kristen B. Crossney and David W. Bartelt},
  journal={Urban Geography},
  pages={707 - 736}
The Residential Security Maps produced under the aegis of the Home Owners' Loan Corporation (HOLC) are often regarded as significant evidence that the federal government was complicit in expanding segregated housing patterns. This paper suggests a different direction for the analysis of the agency's role and the impact of their maps regarding patterns of real estate appraisal and mortgage credit allocations. It is argued that: (1) whereas the broadly asserted relationship between race and… 

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