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

@article{Crossney2005ResidentialSR,
  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},
  year={2005},
  volume={26},
  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… 

The legacy of the home owners’ loan corporation

Abstract The appraisal practices of the Home Owners’ Loan Corporation (HOLC) and its Residential Security Maps are often cited as major contributors to later redlining and the perpetuation of

Legacies of the Residential Security Maps: measuring the persistent effects of redlining in Pittsburgh, Pennsylvania

In the late 1930’s, the Home Owners’ Loan Corporation, under the direction of the Federal Home Loan Bank Board, constructed Residential Security Maps that graded the housing markets of over 200

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ABSTRACT How did institutionalized discriminatory lending policies implemented under the guidance of the Federal Housing Administration (FHA)’s mortgage risk maps impact neighborhood trajectories?

The Contemporary Effect of Redlining on Residential Property Values

Abstract In the late 1930s, the Home Owner’s Loan Corporation (HOLC) was established by the US federal government to mitigate future housing market crises. Neighborhoods in 239 major cities were

The impact of Depression-era Homeowners’ Loan Corporation lending in Greater Cleveland, Ohio

In this paper, I build on previous historical studies that have analyzed the lending activities of the Homeowners’ Loan Corporation (HOLC), a New Deal agency established in 1933 to mitigate the

Is Predatory Mortgage Lending Activity Spatially Clustered?

U.S. housing policy strengthens the local specificity of capital through support for homeownership and the mortgage lending industry. As access to capital and homeownership rates have grown,

Racial Disparities in Foreclosures and Wealth Building in Southern California

The opportunity to own a home in a decent neighborhood is a basic part of the American dream and has been a fundamental goal of housing policy for the last 80 years. Yet there are deep and persisting

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