Black homeownership in the United States
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“The Negro home owner certainly has great difficulties to face. In addition to the fact that he is poorer than his white brother, there are the implications of the housing segregation which will be touched upon later.”
“That Negro owners have to pay high interest rates on their mortgage credit relatively more often than their white brothers, is indicated by table 71. Such a tendency appears in each one of the three cities included in the table. Conditions were in this respect particularly bad in Atlanta where 55% of the Negro owners had to pay 8% or more, and in Birmingham where the corresponding figure was 79%.”
Richard Sterner, Standard of Living of the Negro Book IV
These issues identified by Sterner in 1940 remain true today.