At the same time, redlining—the federal housing policy of refusing to approve or guarantee mortgages in areas where black people lived—served to deny them access to mortgages in their own neighborhoods. These policies became the pillars of a residential caste system in the North that calcified segregation and wealth inequality over generations, denying African-Americans the chance accorded other Americans to improve their lot.
Refusal of approving housing to African- Americans was a big issue. "redlining"