[Myrddin]

This is a repeat of the stupidity of the Carter/Clinton years. Redlining is performed based on criminal statistics that make a property less attractive and less valuable. It's a significant financial risk for a lender. The dumbass "Just Us" department doesn't care. They will compel loans within high crime areas where the property collateral will depreciate before the loan gets repaid. It might well end up burned in a riot.

The "Just Us" department will ignore the criminal statistics and focus on the demographics of the persons living in the area. Ignoring crime stats lets them pretend racism is the motivation for the redlining.

[Oneanddone]

from the article, the Justice Dept defined redlining as “an illegal practice in which lenders avoid providing services to individuals living in communities of color because of the race or national origin of the people who live in those communities.”

Evidently for the Justice Dept,. lenders checking things as employment, ability to pay, credit worthiness, property value is redlining therefore are “illegal practices” in processing mortgages.