Redlining is the systematic denial of various services or goods by governments or the private sector either directly or through the selective raising of prices. The word itself is rooted back to the early 1930's after the color correlating property value grading system was developed by the Home Owners' Loan Corporation, thus the word RED-lining, being that the color red was used on financial maps to denote a geographically “hazardous” area that deemed a lower property value.  This is often manifested by placing strict criteria on specific services and goods that often disadvantage poor and minority communities or due to certain racial characteristics of the applicants' neighborhood. Due to the heavier population in urban locations, this practice seems to be expressed more in these areas. The Home Owners’ Loan Corporation, also called the HOLC, created a significant amount of the structural imbalance that is redlining. Cities that maintained the practice of redlining would often denote a classification of one…