“"whites", who owned the largest percentage of all real estate wealth in every part of the country”

That implies all white people owned real estate. By “white”, do you mean “bourgeois”? Obviously, poor white people owned nothing.

What strikes me is the redlined homeowners and the general population are roughly racially proportionate--whites were about 90% of the population then. If redlining had a racist intent, a higher percentage of black homeowners would’ve been affected.

“many areas were redlined purely because of their ethnic or "racial" makeup”

Those factors were certainly noted because different groups are associated with different levels of wealth, and that noting had to have been done by many racists, but the goal had to be about class instead of race or they wouldn’t have redlined so many white people. I suppose the real test would be to dig into the interactive maps and see if there were any well-rated places with a black population.

So I took a quick look at New Orleans and spotted a B-rated neighborhood with this description: “At the corner of Jefferson and St. Charles Ave. is a Jewish Children's Home and joining it to the east is Gilbert Academy, a negro school. However, both of these institutions have been in this location longer than the surrounding homes so apparently they have had no detrimental influence.”

“A banker could literally be color blind while making lending decisions by relying solely on the FHA ranking system”

Complete agreement. And that’s why I continue to focus on capitalism. The law of profit has many victims.