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Popular pressure and federal laws may have stopped banks from “redlining” the District’s black neighborhoods, but serious discrimination persists in the city’s home mortgage market, concludes a study by local nonprofit Community First. Analyzing 1991-93 data furnished by banks under the Home Mortgage Disclosure Act, Community First determines that residents of white D.C. neighborhoods obtain more than twice as many home loans and refinancings per capita than those in black neighborhoods. And these inequities remain even when the study controls for income: Loan refusal rates for black Washingtonians who earn more than $70,000 per year are 2.5 times greater than loan refusal rates for white Washingtonians who earn less than $50,000 per year. “The legacy of redlining…lives on today with these hugely unequal flows of credit,” says Community First President John Hamilton in a statement.