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.
This report can be found on the National Community Reinvestment Coalition's website.