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  1. #1
    dangerous floater Winehole23's Avatar
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    Clayton appears to have engaged in reverse redlining, seeking out minorities and charging them higher rates, according to a review of company do ents, interviews, and an analysis of federal loan data. “Absolutely classic reverse redlining,” attorney John Relman called it.
    http://www.buzzfeed.com/danielwagner...-mo#.vm1KbrMXl

  2. #2
    dangerous floater Winehole23's Avatar
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    ok, what if I said Warren Buffett made Clayton Homes into a giant and profits every step of the way?

    Berkshire Hathaway quickly bought up failed compe ors’ stores, factories and billions in troubled loans, building Clayton Homes into the industry’s dominant force. In 2013, Clayton provided 39 percent of new mobile-home loans, according to a Center for Public Integrity/Times analysis of federal data that 7,000 home lenders are required to submit. The next biggest lender was Wells Fargo, with just 6 percent of the loans.
    https://www.publicintegrity.org/2015...ire-preys-poor

  3. #3
    dangerous floater Winehole23's Avatar
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    for conventional home loans, looks much the same:

    https://www.revealnews.org/article/w...white-clients/

  4. #4
    dangerous floater Winehole23's Avatar
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    Newsweek undercover investigation finds disparate service and pervasive steering on Long Island:

    https://projects.newsday.com/long-is...investigation/

  5. #5
    dangerous floater Winehole23's Avatar
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    The US racial caste system is enforced by controlling access to capital, property and perquisites.

    https://www.nytimes.com/2019/12/11/b...ng-racism.html

  6. #6
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    Same discrimination in medical care: blacks get less aggressive treatment than whites

    The old story was that black men were (genetically?) more susceptible to prostate cancer mortality than whites, until a study showed they died at a higher rate due to treatment less aggressive than for whites. Same for black women

  7. #7
    I am that guy RandomGuy's Avatar
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    The US racial caste system is enforced by controlling access to capital, property and perquisites.

    https://www.nytimes.com/2019/12/11/b...ng-racism.html
    reinforced by a tax system bought and paid for by the oligarchy.

    boutons is more correct about this than I think a lot would admit.

  8. #8
    dangerous floater Winehole23's Avatar
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    Newsweek undercover investigation finds disparate service and pervasive steering on Long Island:

    https://projects.newsday.com/long-is...investigation/
    Bloomberg: racism and real estate appraisers are screwing AA homeowners all over the country.

    A 2020 study from the University of Chicago brings unprecedented scope to the question, covering 2,600 U.S. counties. It found that more than 9 out of every 10 reflected the same pattern of unfairness. “It’s a textbook example of ins utional racism,” says Christopher Berry, a professor at the university’s Harris School of Public Policy who led the research effort.
    https://www.bloomberg.com/news/featu...ealth-building

  9. #9
    I am that guy RandomGuy's Avatar
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    Same discrimination in medical care: blacks get less aggressive treatment than whites

    The old story was that black men were (genetically?) more susceptible to prostate cancer mortality than whites, until a study showed they died at a higher rate due to treatment less aggressive than for whites. Same for black women
    Eyup.

  10. #10
    I am that guy RandomGuy's Avatar
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    Bloomberg: racism and real estate appraisers are screwing AA homeowners all over the country.



    https://www.bloomberg.com/news/featu...ealth-building
    RACISM ISN"T DEAD?


    but I was told just a couple of days ago by the group of conservatives I game with that it was.

  11. #11

  12. #12
    Got Woke? DMC's Avatar
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    link goes nowhere. I guess that was removed also.

    "black identifier"

  13. #13
    dangerous floater Winehole23's Avatar
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    link goes nowhere. I guess that was removed also.

    "black identifier"
    enjoy!

    https://fox59.com/news/indianapolis-...isal-increase/

  14. #14
    Take the fcking keys away baseline bum's Avatar
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    , I gotta put some stuff that makes me appear black at my house if it can drop my appraisals and property tax. Maybe a bench press and an El Camino on blocks in the front yard?

  15. #15
    dangerous floater Winehole23's Avatar
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    , I gotta put some stuff that makes me appear black at my house if it can drop my appraisals and property tax. Maybe a bench press and an El Camino on blocks in the front yard?
    Not if you want to sell it.

  16. #16
    Got Woke? DMC's Avatar
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    "I had my parents' home reappraised without all the black identifiers and it appraised at over 100K more!"

    "Were they not getting qualified for a loan or selling?"

    "No they were qualified, but still"

    Great, now your parents have 100K extra to pay taxes on lol...good going.

    I'm with Bum here. Appraise mines.

  17. #17
    Got Woke? DMC's Avatar
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    Not if you want to sell it.
    So you want to price most black people out of their own neighborhoods, is that what you're saying?

  18. #18
    Got Woke? DMC's Avatar
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    , I gotta put some stuff that makes me appear black at my house if it can drop my appraisals and property tax. Maybe a bench press and an El Camino on blocks in the front yard?
    Nah that's mexican

    You need a bicycle rim without spokes nailed to the house and bars on the windows.

  19. #19
    dangerous floater Winehole23's Avatar
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    So you want to price most black people out of their own neighborhoods, is that what you're saying?
    Some people consider real estate an engine of personal and intergenerational wealth. Under-appraising property because of the skin tint of the owner undercuts that.

    (Shrugs)

  20. #20
    dangerous floater Winehole23's Avatar
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    DMC: unfamiliar with how people build wealth

  21. #21
    dangerous floater Winehole23's Avatar
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    thematically related, despite the fact that US civil rights legislation passed in the 1960s dispelled racism for all time


  22. #22
    Mr. John Wayne CosmicCowboy's Avatar
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    Bloomberg: racism and real estate appraisers are screwing AA homeowners all over the country.



    https://www.bloomberg.com/news/featu...ealth-building
    Gee. University of Chicago. Appraisals are based on sale comps. Why would a home in a black war zone be worth less than a home in a different neighborhood? Duh.

  23. #23
    dangerous floater Winehole23's Avatar
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    Gee. of Chicago. Appraisals are based on sale comps. Why would a home in a black war zone be worth less than a home in a different neighborhood? Duh.
    you're looking at it through a soda straw, plenty of evidence ITT from many sources, covering many places. you're just not willing to look at it.

    "muh Chicago"

  24. #24
    dangerous floater Winehole23's Avatar
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  25. #25
    Alleged Michigander ChumpDumper's Avatar
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    "war zone"

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