Credit Inequality & Housing Access

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HOME’s latest exhibit examines how biased practices in credit and lending contribute to housing inequality and instability. The homeownership gap between Black and White homeowners is greater today than it was 50 years ago. The exhibit and talk will examine how credit disparities and dual credit markets of mainstream and fringe financial services providers have contributed to this racial homeownership gap, the profound consequences of these practices, and how to change these systems of inequities.

Stay tuned for upcoming venues.

HOME Executive Director, Thomas Okuda Fitzpatrick, speaking to a group of people in front of HOME's exhibit.

Past locations:

  • Richmond Public Library, Main Library
    April 28 – May 30, 2023
  • Chesterfield County Public Library, North Courthouse
    June 1 – June 22, 2023
  • Chesterfield County Public Library, Central Library
    June 24 – July 10, 2023
  • Chesterfield County Public Library, Meadowdale Library
    July 12 – July 129, 2023
  • Richmond Association of REALTORS®
    October 15 – October 29, 2023
  • Governor’s Housing Conference
    November 15 – 17, 2023
  • Charlottesville Area Association of REALTORS
    December 5, 2023 – January 8, 2024
  • Virginia Union University
    January 31 – February 11, 2024


This exhibit was made possible thanks to our sponsors:

Richmond Association of REALTORS Logo
McGuireWoods Logo
Dominion Energy Logo
Troutman Pepper Logo

And a special thank you to

U.S. Department of Housing and Urban Development
The work that provided the basis for this event was supported by funding under a grant with the U.S. Department of Housing and Urban Development. The substance and findings of the work are dedicated to the public. The author and publisher are solely responsible for the accuracy of the statements and interpretations contained in this publication. Such interpretations do not necessarily reflect the views of the Federal Government.