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New-deal mortgage programmes benefited white borrowers disproportionately

Nature Housing Inequality Katherine A. Thomas, Thomas B. Storrs, Wenfei Xu, Jacob W. Faber 2026-07-29

TL;DR - New US home-loan data from around the Second World War show that New Deal mortgage programmes disproportionately benefited white borrowers while excluding Black borrowers.

Links homebuying loan records with borrowers’ race and immigration status.
Identifies unequal access to federally supported mortgage programmes.
Provides historical evidence of how housing policy contributed to racial disparities in homeownership.

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