What was the primary effect of redlining on communities in the United States during the 20th century?

Redlining was a practice where banks and insurance companies would refuse to provide loans or services to people living in certain neighborhoods, mainly affecting Black and immigrant communities. This discrimination led to a lack of investment in these areas, resulting in poor housing conditions, limited access to good schools, and fewer job opportunities. For example, a neighborhood marked as "high risk" might see homes fall into disrepair because families couldn't get loans to fix them, while nearby areas received funding and developed into thriving communities. As a result, redlining created deep economic and social inequalities that still affect these communities today. Overall, it reinforced systemic racism and made it much harder for affected families to build wealth and improve their quality of life.