Redlining remains a significant barrier to homeownership for many people of color in the United States, particularly Black applicants who face disproportionate rates of mortgage rejection. This ongoing discriminatory practice can be traced back to the historic segregation of neighborhoods and systemic inequalities in credit access. According to reports by advocacy groups like the National Fair Housing Alliance (NFHA), predominantly non-white neighborhoods are exposed to subprime lenders, payday loan providers, and check cashers that are less likely to report positive payment histories to credit bureaus. This leads to a disproportionately thin credit file for many people of color, making them 'credit-invisible' or 'unscorable.' The ripple effect means many Black applicants struggle to meet traditional lenders’ standards despite having the ability and desire to own homes. Moreover, the concentrations of highly regulated banks in predominantly white neighborhoods contribute to the unequal landscape of credit opportunities and resources. As Lisa Rice, the chief executive of NFHA, explains, the persistent divide in credit histories reflects entrenched racial inequalities shaped by decades of redlining and segregation policies. These practices have lasting effects on wealth accumulation and socioeconomic mobility. Addressing these disparities requires multi-faceted solutions including better oversight of lending practices, increased transparency in credit reporting, and community investment initiatives that prioritize fair lending. Education and advocacy also play crucial roles in empowering borrowers and pushing for systemic reforms. Understanding the ongoing impact of redlining is essential for comprehending contemporary challenges in homeownership equity and working toward a fair housing market where all applicants have an equal opportunity to succeed.