ArticleCities (London, England)2026
Historical redlining and contemporary home mortgage lending: Investigating neighborhood-level racial disparities in mortgage originations in the United States.
Article in Cities (London, England), 2026. The graph could read no effect estimate from its abstract, so it casts no vote on the map. Cited by 3 papers, 1 of them a synthesis that pooled it.
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The abstract states no effect estimate the extractor could read, or names no intervention and outcome on the map, so this paper lights no cell and moves no belief. It is still indexed, cited and linked below.
The trial behind it
Trials whose registry record cites this paper, or whose number appears in the abstract. A trial that started after this paper was published is citing it as background, not reporting it.
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Who cites it
3 citing papers in PubMed, 1 synthesis or guideline pooled it.
- Reporting race and ethnicity in aging in place research: A systematic review.The Gerontologist · 2026Pooled it
- Industrial Air Toxicant Exposure and Individual Mortality: Evidence from the Americans' Changing Lives Cohort, 1986-2019.Epidemiology (Cambridge, Mass.) · 2026Article
- The impact of census-tract level mortgage discrimination on cognitive function: accounting for measurement instability in small-area data via joint modeling.American journal of epidemiology · 2025Article
Corrections and comments
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Authors and funding
5 authors.
Funding
Abstract
The persistent homeownership gap between minority and non-Hispanic White households in the United States is driven in part by enduring systemic mortgage lending inequalities. Historical discriminatory policies like redlining perpetuated racial disparities in housing by limiting credit access, fostering neighborhood disinvestment, and diminishing opportunities for wealth accumulation in minority neighborhoods. Despite this, the relationship between the legacy of historical redlining and racial disparities in contemporary mortgage lending remains underexplored. Given this, this study introduces a novel set of neighborhood-level mortgage lending measures, derived from the newly released Home Mortgage Disclosure Act Longitudinal Dataset, which adjust mortgage origination trends for neighborhood racial composition to enable analysis of the relative advantages and disadvantages experienced by different racial groups in securing mortgage loans. Using these measures, this study investigates neighborhood racial disparities in mortgage lending over the past three decades (1991-2020) across neighborhoods graded by the Home Owners' Loan Corporation. Findings reveal that the gap in mortgage originations between African American and non-Hispanic White households is larger in historically redlined neighborhoods and has widened over time. The results also demonstrate that the interaction between historical redlining and present-day neighborhood racial composition contributes to the mortgage lending disparities faced by African American households. This study highlights the lasting impact of redlining on the racial distribution of mortgage credit and underscores the need for targeted interventions to promote equitable access to financial resources for marginalized communities.
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Registered trials
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