Even accounting for factors lenders said would explain disparities, people of color are denied mortgages at significantly higher rates than White people.

Emmanuel Martinez
Data Reporter
Emmanuel Martinez is a data reporter for The Markup. For the past six years, he’s worked in the same position for the investigative news outlet and public radio show Reveal in the San Francisco Bay Area, using data, statistics, and programming to tell stories. His most recent work examined access to homeownership and mortgage discrimination, where he analyzed 31 million housing records to prove that people of color were being routinely denied mortgages in 61 major U.S. metro areas. Emmanuel has also worked on a tool to help match unidentified bodies with missing persons’ reports, reported on why wildfires in the West are growing larger and sparking closer to homes, and dug into water shortages in California’s Central Valley, which produces a quarter of the nation’s food.
America’s ring of fire
Wildfires are getting bigger, more expensive and closer to people’s homes. We examine how wildfires got so dangerous – and how some are fighting back.
The lost homes of Detroit
Hundreds of millions of dollars in property taxes should never have been charged, but Detroiters still had to pay or risk losing their homes.
Don’t miss a story. Get our investigations delivered to your inbox.
Think globally, report locally
A high number of high school sports concussions. A low number of arrests for sexual assault. Reveal’s Reporting Network digs in.
Can algorithms be racist? Trump’s housing department says no
A new HUD rule would make it difficult for banks to be sued when their algorithms result in people of color being disproportionately denied housing.
Consumer Financial Protection Bureau moves to limit home loan data
The Trump administration intends to roll back Obama-era rules that dramatically expanded public access to home mortgage data.
The red line: Racial disparities in lending
In dozens of cities across the country, lenders are more likely to deny mortgage loans to applicants of color than white ones.
Back on the bus: A civil rights struggle rolls on
For people of color, banks are shutting the door to homeownership. Philadelphia’s transit agency has been fighting to keep this story off the streets.
Sen. Warren’s new bill is designed to combat modern-day redlining
U.S. Sen. Elizabeth Warren unveiled a bill that one advocate said would be the first law since 1968 “to redress a century of housing discrimination.”
Proposed changes to anti-redlining law would gut its intended purpose, advocates say
The Trump administration says focusing less on loans to low-income areas where banks have branches could lead to more lending elsewhere.