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Discrimination
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Mortgage discrimination or mortgage lending discrimination is the practice of banks, governments or other lending institutions denying loans to one or more groups of people primarily on the basis of race, ethnic origin, sex or religion.

Instances of mortgage discrimination occurred in United States inner city neighborhoods from the 1930s and there is evidence that the practice continues to a degree in the United States today.^[1]^[2] In the United States, banks practiced redlining or denial of financial services including banking or insurance to residents of areas based upon the racial or ethnic composition of those areas, either directly or through selectively raising prices. Prior to the passage of the 1974 Equal Credit Opportunity Act and Housing and Community Development Act, lenders and the U.S. federal government frequently and explicitly discriminated against female mortgage loan applicants.^[3]^[4]

^ Study Finds Disparities in Mortgages by Race The New York Times By MANNY FERNANDEZ Published: October 15, 2007
^ "Blacks, Latinos still rejected for mortgages at higher rates - The Boston Globe". The Boston Globe. December 21, 2015.
^ Thurston, Chloe N., ed. (2018), "Bankers in the Bedroom", At the Boundaries of Homeownership: Credit, Discrimination, and the American State, Cambridge University Press, pp. 142–182, doi:10.1017/9781108380058.006, ISBN 978-1-108-42205-5
^ Krippner, Greta R. (2017). "Democracy of Credit: Ownership and the Politics of Credit Access in Late Twentieth-Century America". American Journal of Sociology. 123 (1): 1–47. doi:10.1086/692274. ISSN 0002-9602. S2CID 149044094.