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The joy of redlining: Why I never lend money to Florida In the 1950s, it was common practice for banks to section off areas of their city as less eligible for loans. In essence, this was a form of racism. Poorer families, particularly black and Hispanic, would often struggle to get approved for a mortgage within these areas (source).
In, The Joy of Redlining: Why I Never Lend Money to Florida, Cunningham wrote "folks from Florida are [.] For investors, geographic discrimination in marketplace lending is not only a possibility, it’s a privilege and a joy Two years ago, LendingMemo’s Simon cunningham openly boasted about his exclusion of Florida borrowers from his marketplace lending strategy.
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