Who Received Loans? Home Owners' Loan Corporation Lending and Discrimination in Philadelphia in the 1930's

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Departmental Papers (City and Regional Planning)
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appraisal
geographic information systems (gis)
home owners’ loan corporation
housing discrimination
lending
mortgage
segregation.
Urban, Community and Regional Planning
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Abstract

The lending record of the Home Owners’ Loan Corporation (HOLC) has received little attention compared with HOLC’s residential security maps. Specifically, the extent to which HOLC practiced racial and ethnic discrimination in the process of making and servicing more than a million loans to homeowners during the Depression has not been carefully examined. Using primary sources including HOLC publications, newspaper articles, 1930 census data, and mortgage records from Philadelphia, this research shows that HOLC did make loans to African Americans, Jews, and immigrants. Evidence suggests, however, that HOLC supported racial segregation in the process of reselling properties acquired through foreclosure.

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2003-02-01
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Copyright Sage Publications. Postprint version. Published in Journal of Planning History, Volume 2, Issue 1, 2003, pages 3-24.
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