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Making the MissionPlanning and Ethnicity in San Francisco$
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Ocean Howell

Print publication date: 2015

Print ISBN-13: 9780226141398

Published to Chicago Scholarship Online: May 2016

DOI: 10.7208/chicago/9780226290287.001.0001

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“No-Lining” and Neighborhood Erasure

“No-Lining” and Neighborhood Erasure

Washington, D.C., and Downtown San Francisco Come to the Mission

Chapter:
(p.148) Seven “No-Lining” and Neighborhood Erasure
Source:
Making the Mission
Author(s):

Ocean Howell

Publisher:
University of Chicago Press
DOI:10.7208/chicago/9780226290287.003.0007

This chapter deals with New Deal home finance agencies, the Federal Housing Administration (FHA) and particularly the Home Owners' Loan Corporation (HOLC), paying special attention to their role on the West Coast. This perspective reveals that the practices of these agencies varied by region in ways that have not been appreciated. Most surprisingly, the HOLC described race in very different ways, depending upon region and upon city. For San Francisco all of this meant that the agencies did encourage disinvestment, though not in precisely the ways that urban historians have come to expect. While many have portrayed HOLC redlining as the death knell of a residential neighborhood, in San Francisco being shaded red on the Corporation's Residential Security Map was a poor predictor of an area's future prospects. The residential areas that could expect significant problems, stemming from a dearth of mortgage lending, were those that the HOLC did not survey at all--what this study refers to as the no-lined areas. The northern areas of the Mission District were no-lined, while the central Mission was shaded red on the maps. HOLC described the latter areas as white in spite of a large Latino presence.

Keywords:   Home Owners' Loan Corporation, Federal Housing Administration, New Deal, mortgage lending, redlining, no-lining, west coast, white flight, Latino identity, whiteness

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