“Special purpose credit programs, which target credit to historically underserved communities and communities still living with the legacies of past discrimination, can also help alleviate homeownership inequities. … In the 1950s, many white families took advantage of favorable lending terms that facilitated first-time home purchases — opportunities explicitly denied to families of color, which directly contributed to the inequities of the present.”

See more on how HUD is addressing the legacies of discrimination at https://www.huduser.gov/portal/pdredge/pdr-edge-featd-article-111423.html