Appraisal with a Black Owner: $472,000, with a White Owner: $750,000.

An appraisal company valued the home of a Black family at $472,000. A mortgage lender denied the couple a refinance loan.

Months after that first appraisal, the couple applied for another refinance loan, removed family photos and had a white male colleague — a fellow Johns Hopkins professor — stand in for them. The second appraiser valued the house at $750,000.

“We had to have a conversation with our kids about why we’re pulling down all their drawings,” Dr. Connolly said. “It’s very humiliating to strip yourself of your own home.”

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