1. REDEVELOPING SUSTAINABLE COMMUNITIES
THE NEXUS OF RACE, CLASS, AND CREDIT
The National Vacant Properties Campaign
June 2nd 2009 Louisville KY
john a. powell
Executive Director

2. INEQUALITY HAS A RACIAL FOOTPRINT
FROM REDLINING TO “REVERSE REDLINING”
FAIR AND SUSTAINABLE CREDIT
COMMUNITIES OF OPPORTUNITY
2

3. “This is today’s home-financing legacy of the Black Belt
that was created across the U.S. South in the
Reconstruction era” – Wyly et. al.
From Wyly, Moos, Foxcroft & Kabahizi, “Subprime Mortgage Segmentation in the American Urban System”
which identifies 30 metro areas with the highest prevalence of subprime lending and 3 out of 10 loan
requests are denied.

4. 4
Source: ARC Report, Race and Recession: How Inequity Rigged the Economy and
How to Change the Rules. Download at http://www.arc.org/recession/

5. REDLINING MAP OF PHILADELPHIA
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6. From Redlining to
Reverse Redlining:
A historical view of
redlining zones in
Philadelphia and areas of
foreclosure in minority
communities.
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9. 9

10. TWIN CITIES (MINNESOTA)
Source: IRP Report,
“Communities in Crisis”
http://www.irpumn.org/
uls/resources/projects/IR
P_mortgage_study_Feb.
_11th.pdf
10

11. N
W E
S
Population Change
in Wayne County
1970-2000
Legend:
City of Detroit
Highways
Counties
Population Change 1970-2000
Population Loss
0 - 500 Pop. Growth
500 - 1000 Pop. Growth
1000 - 2000 Pop. Growth 11
10 0 10 20 Miles
2,000 or More Pop. Growth

12. N
Growth of Vacant Housing Legend: W E
in Detroit 1970-2000 S
City of Detroit % of Homes Vacant
(% Vacant Housing Highways 0-3
in 1970 and 2000) Counties 3 - 10
10 - 15
Prepared by: Kirwan Institute
Source Data: U.S. Census Bureau 15 - 20
20 - 57.6
% Vacant % Vacant
1970 2000
12
8 0 8 16 Miles