Race, not income or credit risk, drives contemporary mortgage denial and subprime targeting.

Evidence

Twenty-seven percent of black applicants and 19 percent of Latinx applicants were denied mortgages in 2015, compared with 11 percent of white and Asian American applicants. Research also showed that in 2006, at the height of the real estate boom, black families making more than 200,000 of income per year on average were more likely to get a subprime mortgage than white families with less than 30,000 of income. — Dorothy A. Brown, Getting to Reparations, 1279

Categorization

• XREF: Connects to the reader’s reparations-as-legal-brief goal: these are the hard denial-rate and 2006 subprime-race data needed to prove present-day discrimination persists despite illegality.