Why the homeownership gap between White and Black Americans is larger today than it was over 50 years ago

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Why the homeownership gap between White and Black Americans is larger today than it was over 50 years ago
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Why the homeownership gap between White and Black Americans is larger today than it was over 50 years ago. (via CNBCMakeIt)

, there is a homeownership gap of 50% between White and Black residents. Even in cities with larger Black populations and more economic opportunity, like Washington, D.C. and Los Angeles, a large homeownership gap of 20 to 25% still remains.

Lisa Rice, president and CEO of the National Fair Housing Alliance, recalls how these discriminatory practices directly affected her family. In 1963, when she was just six months old, she says her parents went to purchase a home in Ohio and were blatantly told they could only buy property in a particular neighborhood.

Rice, who now plays a critical role in ensuring equal housing opportunity for everyone, explains that what happened to her family is the result of redlining practices, which is the systemic denial of bank loans and government resources to residents of specific neighborhoods. "We've never had a time in American history when mainstream lenders were the primary source of credit for people of color," she says. "It has always been subprime lenders who are the providers of credit."

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