Redlining

“The Home Owners’ Loan Corporation (HOLC) was created in June 1933 by the US Congress. The purpose was to refinance mortgages in default to prevent foreclosures. In 1935 Federal Home Loan Bank Board asked HOLC to look at 239 cities and create “residential security maps” indicating the level of security for real estate investments. On the maps, the newest areas — those considered desirable for lending purposes — were outlined in blue and known as Type A. These were typically affluent suburbs on the outskirts of cities. Type B neighborhoods were considered ‘Still Desirable,’ whereas older Type C neighborhoods were labeled ‘Declining’ and outlined in yellow. Type D neighborhoods were outlined in red and were considered the most risky for mortgage support.” The outcome of the practice of “redlining” was to deny mortgages and business loans to minorities and lower income borrowers.
The original Columbus “Redlining” map from 1936 is below, followed by an interactive version. A 12.2mb jpg file of the map is here.
Redlining_Columbus_map_150

Interactive Columbus “Redlining” map from 1936:

  7 comments for “Redlining

  1. Nick
    July 20, 2016 at 7:47 pm

    The link to the digitized maps appears broken. I think they’re here now: http://guides.osu.edu/maps-geospatial-data/maps/redlining

    • jbkrygier
      July 20, 2016 at 8:06 pm

      Thanks for the new URL. Fixed on the page. John K.

  2. Elias
    April 6, 2020 at 10:07 am

    A lot of the high risk mortgage is in places I thought it would never be in

  3. Jeffrey A York
    June 16, 2020 at 10:20 am

    In 2020, REDLINING still exists in Columbus neighborhoods. One of my friends, along with my assistance, attempted to refinance his home, but his own bank, not only denied him a refinance, but would not even call him to tell him that he was denied refinancing due to REDLINING by his own bank.

  4. D Will
    July 28, 2020 at 12:28 pm

    I would be interested in knowing when/how “redlining” crossed into racial discrimination vs poverty (or riskier loans) evaluation.
    I’m assuming “intent” was risk, not race.
    Yet, I also assume that once released this tool became utilized by those with a different agenda.
    Anyone have specifics (not necessarily Columbus based).
    Trying to better sort out the facts from intended or unintended consequences.
    Thank you,

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