This is such racist trash he is spewing. He leaves out that HOLC was a very limited program. Leaves out what happened after HOLC. Leaves out the covenant guarantees in the lending to the builders. Leaves out Levittown. This was written intentionally to cherry pick data to advance racist, evil intentions. This issue is well documented in hundreds of research articles and dozens of books. Writer cherry picks the one article that he can spin to suggest that the government did not intentionally disenfranchise a whole group of people. I have a copy of the testimony from the 1960s when bankers, housing officials, and others admit what they did for decades. It was pure evil. And this article is trash.