Historic Home Owners' Loan Corporation Neighborhood Appraisal Map

In 1934, the Federal Housing Administration created a financial mortgage system that rated mortgage risks for properties based on various criteria but was centered on race and ethnicity. This rating system propagated racial segregation that in many ways persists today.<br/><br/>The FHA Underwriting Handbook incorporated color-coded real estate investment maps that classified neighborhoods based on assumptions about a community, primarily their racial and ethnic composition, and not on the financial ability of the residents to satisfy the obligations of a mortgage loan. These maps, created by the Home Owners Loan Corporation (HOLC) were used to determine where mortgages could or could not be issued. <br/><br/>The neighborhoods were categoriezed into four types:<br/>Type A : Best - newer or areas stil in demand<br/>Type B : Still Desirable - areas expected to remain stable for many years<br/>Type C : Definitely Declining - areas in transition<br/>Type D : Hazardous - older areas considered risky<br/><br/>Neighborhoods shaded red were deemed too hazardous for federally-back loans. These "red-lined" neighborhoods were where most African American residents lived. <br/><br/>Many have argued tha the HOLC maps institutionalized discriminating lending practices which not only perpetuated racial segregation but also led to neighborhood disinvestment. Today, neighborhoods classified as Type C and Type D in 2934 make up the majority of neighborhoods in 2016 that are Areas of Concentrated Poverty where 50% or More are People of Color. <br/>

Additional Info

Field Value
Last Updated April 27, 2019, 10:03
Created June 10, 2016, 10:02
dsAccessConst None. This dataset is public domain under the Minnesota Government Data Practices Act (Minnesota Statutes Chapter 13). If the dataset is not available from the Online Linkage in Section 6, please contact the Distribution Contact Person.
dsMetadataUrl ftp://ftp.gisdata.mn.gov/pub/gdrs/data/pub/us_mn_state_metc/plan_historic_holc_appraisal/metadata/metadata.html
dsModifiedDate 2019-04-26 23:46:46
dsOriginator Metropolitan Council
dsPeriodOfContent 1/1/1934
dsPurpose Representing this historic map in digital form allows users to compare historically characterized neighborhoods in relation to current demographic trends.

Dataset extent