Redeveloping Sustainable Communities The Nexus of Race, Class, and Credit
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  • 1. REDEVELOPING SUSTAINABLE COMMUNITIES THE NEXUS OF RACE, CLASS, AND CREDIT The National Vacant Properties Campaign June 2nd 2009 Louisville KY john a. powell Executive Director
  • 2. INEQUALITY HAS A RACIAL FOOTPRINT FROM REDLINING TO “REVERSE REDLINING” FAIR AND SUSTAINABLE CREDIT COMMUNITIES OF OPPORTUNITY2
  • 3. “This is today’s home-financing legacy of the Black Belt that was created across the U.S. South in the Reconstruction era” – Wyly et. al.From Wyly, Moos, Foxcroft & Kabahizi, “Subprime Mortgage Segmentation in the American Urban System”which identifies 30 metro areas with the highest prevalence of subprime lending and 3 out of 10 loanrequests are denied.
  • 4. 4Source: ARC Report, Race and Recession: How Inequity Rigged the Economy andHow to Change the Rules. Download at http://www.arc.org/recession/
  • 5. REDLINING MAP OF PHILADELPHIA 5
  • 6. From Redlining to Reverse Redlining: A historical view of redlining zones inPhiladelphia and areas of foreclosure in minority communities. 6
  • 7. 7
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  • 10. TWIN CITIES (MINNESOTA) Source: IRP Report, “Communities in Crisis” http://www.irpumn.org/ uls/resources/projects/IR P_mortgage_study_Feb. _11th.pdf 10
  • 11. NW E S Population Change in Wayne County 1970-2000 Legend: City of Detroit Highways Counties Population Change 1970-2000 Population Loss 0 - 500 Pop. Growth 500 - 1000 Pop. Growth 1000 - 2000 Pop. Growth 1110 0 10 20 Miles 2,000 or More Pop. Growth
  • 12. NGrowth of Vacant Housing Legend: W E in Detroit 1970-2000 S City of Detroit % of Homes Vacant (% Vacant Housing Highways 0-3 in 1970 and 2000) Counties 3 - 10 10 - 15 Prepared by: Kirwan Institute Source Data: U.S. Census Bureau 15 - 20 20 - 57.6 % Vacant % Vacant 1970 2000 128 0 8 16 Miles
  • 13. Vacant Homes in the Detroit Area in 2000 z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z z x x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z z x x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x zz xx z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x zz z z xx x x z x z x z x z x z x z x z x z x z x z z x x zz xx z x z z x x z x xx x z zz x z z x zz xx z x z x z z x x z z x x z x z z x x z x zz z xx x z x z z x x z x z x z x z z z x x x z x z x z x z x z x z x z x z x z x z x z x z x z x zz xx z z x x z x z x z x z x z x z x zz xx z x z x z x z x z x z x z x z x z x z x z x zz xx Macomb z x z x z x z xz x z z x x z x z x zz xx z x z x z x z x z x z x z x z x z x z z x x Oakland z z x x z x z x z x z x z x z x z x z x z x z x zz xx z x z x z x z x zz xx z x z x zzz xxx z z x x z x z x zz xx z x z x z x z z z x x z x z x zz z xx x z x z x z x z zz x xx z x x x x z z z x z x z x z x z x z x zz xx z xz x z x z x z x z x z x z xz x z z x x z z x x z x zz xx County z x z x z x z x z x zz xx z x z x zz xx z x z z z x x x z x zz xx zzzz xxxx z zz z z x x xx x x x z x zz xx z x z z x z x z x z x z z x x z xz x z x z x zz xx County z x zz xx z x z x z x z z x x z x z x z x z z x x z x z x z x zz xx z x zz xx z x z x z z x x z x z x z x z x z z xx x zx z z z x z x z z x x z x z x z z x x z x z x z x zz z z z xx x x x z z z z zz x x x x xx z x z x z x z x zz z z xx x x zz xx z x z x z z x x z x z x z x z x z x z x z xz x z z x x z x z x z z x z z x x x x x z x z z z x z x z x z zz x xx zz xx z x z x z x z x z x z z z z z x x x x x z x z x z x zz xx z x z z z zz x x x xx zz z xx x z xx z xz z z x x z x z x z x z x z x z x z z x x z x z x z x z x z x z x z x z x z x z z x x z x z x z z zzz x x xxx z x z x z x z x z z x x z x z z x x z x z x z x z x z xzz z x xxx x zx z z z x z z x x zz xx zz z xx x z x z x z x z x z x z x zz xx z x z x z x z x zzz xxx z x z x zz z zz xx x xx z x z x z x zz xx x x z x z z x z x z x zz z xx x z x z x z x z x z x z z x x zz xx z z x x zz xx x z z z x z x z x z x z x z z z x x x z x z x z z z z x x x x zz xx z x z x z x z x z x z x z x z x z x z z x x z x z x z x z z zz x x xx z x z z zz x x xx z x z x z x zz xx z x z x z x z x zz z x x xx x z z z x z x z x z x z x z x z x z x z x z x z x z zz x xx z x . z x z x z x z x x xx 9 x 4 z x zz xx z z x x - z x z x , z x z x z x z x z x z x z x z x z x z x z x z z x x z x z x z x z x zz xx zz xx z zz z x z z x z x z x z x z x z x z x z x z x z x z x zz z xx x z x z x . z x z x z x 75 z x z x z x zz z z xx x x - z x z x , z x z x z x z x z xz x z x z x z x z x z x z x z x z x z z x x z x z x z x z x z x z x ( 23 z x z x z z x x / z x z x z x zz xx z x z x z x z x z x z x z x z x z x z xz x z x z x z z x x z x z x z x z x z x z x z x z x z x z x z x zz xx z x z x z x z x z x z x z x z x z x z x z x z x z zz x xx z x z x z x z x z x z x z x z x z x z x z zz z x xx x z x z x z z zz x x xx z x z x zz zz xx xx z z z x x x z x z x z x zz xx z x z x zz xx z x z x z x z x zz zz z xx xx x z x z x z x z x z x z x z z x x z x z x z x z z x x z x z x z x z x zz zzzz xx xxxx z x z x z x z z x x z x z x z x z x z z x x z x z x z x z x z x x z z x z z x x z x z x z x z x z x z x z zz z x xx x z x z x z x z x z x z x z x z x z x zz z xx x z x z x z x z x z x z x z x z x z x z xz x z x z x z x z x z x z x z x z z z x x x z x z x z z x x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z x z xz x xx z zx zz z xx x z xz x zz xx z x z x z x z x z z x x z x zz xx z z zz z x xx x z x z x z x zz z xx x z z x x z z x x z x z x z x z x z x z x z x z x z x z x z x zz z z z x x xx x x z z zz x xx z x z x z x z x zz xx z x . z x z x z x z x 96 z x z x z x zz xx - z x z x z x z z x x z x , z x z x z z x x z x z x z x z xz x zz xx z x z x z zx x xxz z x z z x x z z x x zz z xx x z x z x z x z x x z zz z z xx x x z z x zz zz z xx xx x z z z x x x z x zz xx z x z x z x z x z x z x z x z z x x z x z x z x z z x x z x z x z x z x z x z x z x z x z z zz x x xx z x z zz x xx z z x x z z x x z x z z x x z x z x z z x x z x zz z xx x z z x x z x z x z x z x z x zz xx z x z x z x z xz x z zz x xx z x z z x x x x 6 9 6x . z x z x z x zz xx z z x x z x - z x z z z x , z x z z z x x z x z x z z x x z x z x z x z x z x zz xx z x z z x x z x z x x x z x z z z x z x z x z x z x z x z x z x z x z z x x zz z xx x z x z z x x z x z z x x z z x x z x z z z x x x z x z z z zz x x x xx z x z x z x z x z x z x z x z z z x x x z x z x z z z z x x x x z x z x z x z z x x z x zz xxz x z x z x z x z x z x z z x x z z x x z z z x x x z x z z zz x x xx z x z x zz xx z x xx xz z zz x z x zz xx zz xx z x z x z x z x z x z x z x zz z xx x zz xx z x zz xx z x z x z x z x z x z z x x z z x x z x z z z z x x x xz z x x z xz x z zz x xx z x z x zx xz z x zz z z xx x x z x z x x xx x x zx zz x z x z x z x z x z zz z z x xx x x z x z x z z x x zz z xx x z x z x z x z x z z zz z x x xx x z z x x z x zz z x z x z x z x z x z x z x z x z zz x xx z x xx z x zz z z x x z z x x zz xx z z zz x xxz z x z x z zzzzz x xxxxx z z x x z x z x z z x x z x z z x x z x z x zzz xxx z z x x z z x x z x z zzz z zzzzxzz z zz xz z x xxx x xxxxxxx x xx xx x z x z z zz x x xx z z x z z x zx z xz zz xx z z zzx z x x xxx x z x x z z z zz x xx z z x x z x z x z z z x x x z z z x x x z x z x z x z z zz zzz z z zz z x x xx xxx x x xx x zz z z xx x x z x zzz zz zzzz z z z z z z z xxx xx xxxx x x x xzx x x z x x xx x z z xz z z z x zz z zz zz zzxz z z zx zz z z z zz xx x xx xx xxxx x x xx xx x x x xx z x z zzx z xxx zzz x z x z z x z zz z xx z zz x xx z z x x z x z x z x z x z z zzx xx x x xxx xx z x zz x x zz z zz z xx z x z z z zxz x xxx xx x xx x x x x x z z x z x z z x xxzx z z zx xx xxz zz x x x x zz z zzzz z z x x z xz zzz z z xx z x zzz zz xx z x z x z x z x z z x x z x z x z x z x z x z x z x x xx xxx z xz z zz zzx zz zz zz xx xx xx z x z x z z xzx zx zx z x zx z z x xx xxxx x x xxxx x x xx x x z z z z x z z z z z x z z z z z zx z zz x z z x z x zz xx z z x x z x zz z xx x z z zz z x x xx x z z z x x x z x xz z z z xz z z z zzz x x x z x x x z zx z z z z z z z zz z z z z x z z z x x xx xxx x z x z z x x z x z x z x z z x x zz xx z z xz x z x zz z xx x z x z z z x x x z x zzzx zzxz zzz zz zx z zzzz x z zz z z z zz z zzzz xxzzzzz z z xxxx xxxx xxx xx xx x xxxx x x xx x x x xx x xxxx xxxxxxx x x zz xx xx x z x xxx x z x x z z z z x z z z x x z z x z xz zz x x zz x z z z x z z x z x z z x x z x z x z x zz xx z xx z z z zz z x x x xx x z x zzz zz z z z z zzzz z zz zzzz z xxx xx x x x x xxxx x xx xxxx x z x z x z z x x zx z x zz x z z x x z z z x z x zzz xz z x x xxxx xxxx x x z z z z x z zzz z x x zzxz xxx z z x zz xx z x z x z x z zz x xx z x z zz z z x xx x x z x z z z x x x zz z xx x xx x xxxxx x x x xx x x z x z z zx xx z zx z zzzzz z z z zz z z z z x z x z zz z z z x xx x x x z xz z x xx x z z zzzz zzzzzzzzz z z zzz z z zz x xxxx xxxxxxxxx x x xxx x x xx zz z z xx x xz x z x z x z x z zzz zz z z z x xxx xx x x x z z zz z z x x xx x x zz xx z zzzzzzz z z zz zz z z x z z zz z zz z z x xxxxxxx x x xx xx x x x x x xx x xx x x zz z xz x z x z x x x xxx x x xxzx x zz xz z zz z xx x z x z x z x z x z x zz xx z x z x z z x x z x z x z z z z z zz z zz zzz z zz zz zz z zz zz z x x z x x x xx x xx xxx x xx xx xx x xx xx x z x z z x x xz z x z x xxx x xxx x z z zz z z xzx z x z xzz z zzz z z zx z z x z z z x x x z x z x zzz z x x xxx x z z zz x z xx z z x x z x zz z z zzzz z z zzzz zzzx z xx x x xxxx x x xxxx xxxx x z x z zzz x xxx z zz x xx z z zzzzzzz z zzzz z z x x xxxxxxx x xxxx x x zxz z z z xxx x x x x x x xx x zz x xz x x x z x z z x x xx x xxxxxxxxxxxx x x x x x x x x z z z z z z z zxxzxzzzxzzz z z z z z z z z z x z z x zz z z xx zx z z z z x z Legend: z x z x z x z x zz xx z x x x xx xz zz xx z z x z x z x z x z z z x x x z x z z z z z x x x x x z x zz xx z z zz z x z z z x x x z z zz zz zz z z x xx xx xx x x z zz x xx z zzzzzz zz z zzz x xxxxxx xx x xxx z z z zx z zzz x xx x xxx z zz z x z zz xz zz xzx xx z x z x xxzz x xx z xx z x zzz z z z z x x z x z zz z zz xx x xx z z z z z zzz z z z x x x x x xxx x x x z z z z x x x x z zzxxzxz z zzz zzzzzzzzzz xzzxzz z x xzzxxxx x xxx xxxxxxxxxx xxxxxx x xzz z x x z z zz xzz xx zz z z z z zzz z xx x x x x xxx x z zzzz z z zx x xxxx x x xx z x Washtenaw z x z xx z z z z z zz xzzzzz z z z z x x xx z xxxxx x x x x z z x x z zx z zz z z zz z x x xx x z z z x x x z x z x z x z x z zz zzz z z z x x x xx xxx x x x z z x z zz z z xx x x z x z z x x zz xx zz zz z xx xx x z x z zxxzzzzzz zx x xxxxxxxxx xx z z zzz z zz x x xxx x xz z z z zz z z zzz z z z zz xz z z z z z z x x xx x x xxx x x x xx z x x x x x x x z z x xx xx z zz z z zz zzzzzzz x z z z z z z x xx xxxxxxx x x x x x x x x x x x x z z z z z z z z x z xz z x z x z x z z z z x x z x xz z zz z x zz zxzzz x xx x x xx xxxxx z z x z z z x zx xz x z z x zx z z z z z x x x x zz z z x z x zx zx z zz z z x x z x z x zz xx z x z x z z x xxxx x x x zzzz z z z x z z z xzzz zz zzz z z z xzzx zx z xzzz zxzzz z zx z xzzz zxzzz x zx x x x xxxx xx xxx x x x xxxx xx x xxxx xxxxx x xx x xxxx xxxxx x xx z x x xx z zzz z x z z x xxx x x z z z zz z xx x z x z zz xx z z zz zz zzz zz zz zz zz x xz zzzzz x z xx xx xxx xx xx xx xx z xx xzxxx z x x z z z z z zx z xz zx z z z z x xx z z zzz z xz x x xxx z z zz z z z zz x x xx z x z z z zz x x x xxz x xzx x z z zx z x xxx zxx x z z zz z x z zz z z z z z zzz zx z zz z z z x xx x x x x x xxx xx x xx x x x zz z z z z xx x x x x zz xz z z x x xxx x x z zxzx zz xz z x z x z x z x z x zx z xz z z z zz xz zx z zz xx xx xx x xx zx z z x z x x z x zz z z zzz x x x x x xx x x xxx z x x zz z xxxz z zz zzxzxz z xzz zz zzz xz z zz z z z xz z z x zzx xx z x z z x z z z z zz xxxx x x xx xxxxxx x xxxx x xxx xx x xx x x xxx xxx x xzzz x z z zx z z z z x x x z z z xz xx x xx x x x xz x zx z z z x z xz zxz z x z x z x z x zz z zz zzxz zzz xx x xx xxxx xxx z xz xz x x z z x z x x x xx x xz x z z z z xzz z x xx xx zz zzxx x x z x zz zx z x z x z x z z xz z z z z x z z z z zzz z z zz z z zx zz zzx z zzzz x zzzzzzz z zz zzz z z z z zzzz zz z zz x xxx x x xx x x xx xx xxx x xxxx x xxxxxxx x xx xxx x x x x xxxx xx x xx z z x z x x z z xx xx z z x z z z z z z xzx z x x x xz x x x zz z z zzz z z x z z x zz zxz z zzz zzzzz z z z x xxx xxxxx x x x z z x x zzz xxx z x z x x xx x z x z x z zz z z z z z z z z x x x x z x zz x xxz z z z z z xxzxz x xxxx z zzxx z zzzx xz z zx zx zz z xx x z z z zzx x xxz z zz z z z x xx x x x z zx x zz z z z x zx zz z z z xx xx x x x z z x x z z z x z x z x z z zzz x zz z x x xxx x xx x z x zz z z xx z xz x z x z x z x z z zz z zzzzz z z zzzx zz zz zxzxz zxzzz x x xx x xxxxx x x xxxx xx xx xxxxx xxxxx z z zzz x x xxx z x z x x z x x z zz zz x z xz z z x xx x zz x z z z z z zzzxz z zz z x xz x z zzzz x x xxxx xxz z z x x x x xxxxx x z z zz z xx x z x z zzzzxzz zzz x xxxxxxx xxx x xz x zx z z zz zx zz z xx xx xx x zzz zzz z z z xxx xxx x x x z zz zzz x xx xxx z x z x z z x x County z x z x z z z z . z x zz xz zz zz z xz z z z zz zzzz z z z zz z z z zx zxzz z z zxzz zzz xzzz zz x xx xx xx xx x xx x x x xx xxxx x x x xx x x x xx xxxx x x xxxx xxx xxxx xx x zz xx xx x x xx xz z z zx z x z xxx x zzz z xzz z zz x xz zz xx z x z x z x z x z x z zz zz z z zz zz z zz zz z xxzz xx z x xx xx x xx xx x zx z z z x x z x z x z x z x 96 z x z zxx z z z xz z z zxz z z xxx x z x zz x zzzzz zzzx zxzx z xx x xxxxx xxxx xxxx x - z x z zz x z zz z xx z x z z zz z zxzxz xxxx xxxxx z x z x zz z z z x x , z x z x z x xx zx zz zz z x z x zxzzzz z z z zz z zz xx x x x z xxxxxx x zx x xx x xx xx z z z x z z xx x z x zz z z xz z xz z z x xx x x z z x z x zz xx z x z x z zz xx