A region marked by a history of racial violence and targeted exclusionary policies like redlining continues to see widening racial homeownership disparities. The U.S. government agency, Home Owners Loan Corporation introduced redlining in 1935, when it drew literal red lines on maps to delineate the perceived riskiness of making mortgage loans, and in fact directed lenders to “refuse to make loans in these areas [or] only on a conservative basis.”