Redlining, reinvestment, and racial segregation: a bayesian spatial analysis of mortgage lending trajectories and firearm-related violence.

IF 2.4 3区 医学 Q2 PUBLIC, ENVIRONMENTAL & OCCUPATIONAL HEALTH
Gia Barboza-Salerno, Brittany Liebhard, Sharefa Duhaney, Taylor Harrington
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引用次数: 0

Abstract

Background: In the United States, firearm-related violence disproportionately impacts low-income, racially segregated communities more than affluent, predominantly White neighborhoods. This trend stems from historical disinvestment, discriminatory lending practices, and persistent structural inequalities. Housing policies have enforced racial segregation, limiting wealth accumulation in low-income communities. This study examines the relationship between historical and contemporary lending discrimination in mortgage originations and firearm-related violence in Chicago, Illinois. By analyzing investment and disinvestment patterns, we assess how housing discrimination continues to influence the risk of victimization in various social contexts.

Methods: Redlining scores were derived from the 1930s Homeowners' Loan Corporation (HOLC) grades, while contemporary lending indicators were obtained from the 2019 Home Mortgage Disclosure Act (HMDA). We classified neighborhoods into four lending trajectories-sustained disinvestment, disinvestment, growing investment, and high investment-based on historical redlining and contemporary mortgage lending patterns. Sustained disinvestment reflects historical redlining and ongoing lending discrimination, while growing investment targets areas that were historically redlined but are now experiencing increased lending activity. Bayesian spatial models examined firearm-related homicide risk across lending trajectories, adjusting for area deprivation index (ADI) and racial segregation.

Results: In unadjusted models, sustained disinvestment (Relative Risk [RR] = 2.230, 95% CrI: [1.352, 3.681]) was associated with increased firearm-related homicide risk, while growing investment (RR = 0.782, 95% CrI: [0.452, 1.359]) and high investment (RR = 0.146, 95% CrI: [0.054, 0.397]) were associated with lower risk. After adjusting for ADI and racial segregation, the effect of sustained disinvestment attenuated (RR = 1.714, 95% CrI: [1.054, 2.791]), suggesting partial mediation. However, growing investment increased by 155% (RR = 1.987, 95% CrI: [1.144, 3.458]), indicating suppression, indicating that ADI and segregation initially masked its association with firearm homicide risk.

Conclusion: Findings highlight the need for policies that address the long-term effects of lending discrimination. Reverse redlining-where financial institutions target minority communities with high-cost loans-further exacerbates existing inequities. Additionally, neighborhood deprivation and segregation shape firearm-related violence risk, underscoring the broader consequences of systemic housing discrimination.

红线、再投资和种族隔离:抵押贷款轨迹和枪支相关暴力的贝叶斯空间分析。
背景:在美国,与白人为主的富裕社区相比,与枪支有关的暴力对低收入、种族隔离社区的影响更大。这一趋势源于历史上的撤资、歧视性贷款做法和持续的结构性不平等。住房政策强制实行种族隔离,限制了低收入社区的财富积累。本研究考察了伊利诺斯州芝加哥市历史和当代贷款歧视与枪支相关暴力之间的关系。通过分析投资和撤资模式,我们评估了住房歧视如何在各种社会背景下继续影响受害风险。方法:红线评分来自20世纪30年代房主贷款公司(HOLC)的评分,而当代贷款指标来自2019年《住房抵押贷款披露法》(HMDA)。基于历史红线和当代抵押贷款模式,我们将社区划分为四种贷款轨迹——持续撤资、撤资、投资增长和高投资。持续的撤资反映了历史上的红线和持续的贷款歧视,而越来越多的投资目标是历史上被划红线的领域,但现在正在经历贷款活动的增加。贝叶斯空间模型在调整了区域剥夺指数(ADI)和种族隔离后,检验了贷款轨迹中与枪支相关的杀人风险。结果:在未经调整的模型中,持续撤资(相对风险[RR] = 2.230, 95% CrI:[1.352, 3.681])与枪支相关杀人风险增加相关,而投资增加(RR = 0.782, 95% CrI:[0.452, 1.359])和高投资(RR = 0.146, 95% CrI:[0.054, 0.397])与枪支相关杀人风险降低相关。在调整了ADI和种族隔离因素后,持续撤资的影响减弱(RR = 1.714, 95% CrI:[1.054, 2.791]),提示存在部分中介作用。然而,不断增长的投资增加了155% (RR = 1.987, 95% CrI:[1.144, 3.458]),表明抑制作用,表明ADI和隔离最初掩盖了其与枪支杀人风险的关联。结论:研究结果强调需要制定政策,解决贷款歧视的长期影响。反向减薪——金融机构向少数族裔社区提供高成本贷款——进一步加剧了现有的不平等。此外,社区剥夺和隔离形成了与枪支有关的暴力风险,强调了系统性住房歧视的更广泛后果。
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来源期刊
Injury Epidemiology
Injury Epidemiology Medicine-Medicine (all)
CiteScore
3.20
自引率
4.50%
发文量
34
审稿时长
13 weeks
期刊介绍: Injury Epidemiology is dedicated to advancing the scientific foundation for injury prevention and control through timely publication and dissemination of peer-reviewed research. Injury Epidemiology aims to be the premier venue for communicating epidemiologic studies of unintentional and intentional injuries, including, but not limited to, morbidity and mortality from motor vehicle crashes, drug overdose/poisoning, falls, drowning, fires/burns, iatrogenic injury, suicide, homicide, assaults, and abuse. We welcome investigations designed to understand the magnitude, distribution, determinants, causes, prevention, diagnosis, treatment, prognosis, and outcomes of injuries in specific population groups, geographic regions, and environmental settings (e.g., home, workplace, transport, recreation, sports, and urban/rural). Injury Epidemiology has a special focus on studies generating objective and practical knowledge that can be translated into interventions to reduce injury morbidity and mortality on a population level. Priority consideration will be given to manuscripts that feature contemporary theories and concepts, innovative methods, and novel techniques as applied to injury surveillance, risk assessment, development and implementation of effective interventions, and program and policy evaluation.
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