Decades of Disinvestment: Historic Redlining and Mortgage Lending Since 1981
National Community Reinvestment Coalition
First published May 2024
This report introduces a new HMDA Longitudinal Dataset (HLD) which cleans up the noise left by serial shifts to HMDA rules and Census boundaries. Created with funding from the National Institutes of Health (NIH grant AG080401), the HLD breaks down barriers that have impeded a wide range of policy efforts beyond the capital and housing markets themselves – to include public health, sociology and political science. Researchers, advocates and policymakers can now reach conclusions regarding complex questions spanning a multigenerational time period, where previously such inquiry was constrained to smaller time windows or hampered by mismatched geographic and ethnographic parameters. We are excited to see what questions our peers in other fields might think up to tackle using this resource.
This study – taken together with NCRC’s previous work on segregation and economic disadvantage in redlined neighborhoods – is an indictment of the operation of structural racism in American neighborhoods well into the 21st century.
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