Yes, I think we are talking at cross purposes. I'm afraid that I don't know enough about mortgage discrimination in the US to comment intelligently on it.
My point was about centre-left parties accepting 'neoliberal' solutions for things like housing or healthcare and the consequent abandonment of solutions based on social provision. This is certainly a big issue in the UK and Europe, but perhaps less so in the US?
But I take your point about the identity politics not necessarily leading to adopting 'neoliberal' policies.
The US does have its own version of council housing. But, as with everything to do with poverty relief in the US, there isn't enough of it, and it isn't very good. That isn't specifically a race issue. Although race is always in the background being alluded to as an way to get voters to not do more.
That said, the US housing issue is more complex than that. Much more. And metalhead is right in that mortgage discrimination is a very serious problem. It is only one issue of the overall problem. But it's no less serious for the fact that it is only one of many problems.
To understand this you have to understand the extent to which localism dominates American politics. I'll give you an example from the area around where I live.
The racial makeup of the city was 29.8% white, 38.7% African American or black, 0.6% Native American, 2.8% Asian, 0% Pacific Islander, 23.9% from other races, and 4.2% from two or more races. 43.4% of the population were Hispanic or Latino, chiefly of Puerto Rican origin.[62] Whites not of Latino background were 15.8% of the population in 2010,[63] down from 63.9% in 1970.
The median income for a household in the city was $20,820, and the median income for a family was $22,051. Males had a median income of $28,444 versus $26,131 for females. The per capita income for the city was $13,428.
Move one town west. That is, a town which shares a border along the whole north-south axis of both towns, and to get from one to the other is exactly crossing a street.
The racial makeup of the town was 79.6% White, 6.3% African American, 0.2% Native American, 7.4% Asian, 0.03% Pacific Islander, 3.8% from other races, and 2.7% from two or more races. Hispanic or Latino of any race were 9.8% of the population.
The median income for a household in the town was $80,061, and the median income for a family was $106,089 as of a 2011 estimate.[24] Males had a median income of $69,888 versus $56,162 for females. The per capita income for the town was $45,453. About 3.7% of families and 6.1% of the population were below the poverty line, including 5.3% of those under the age of 18 and 9.6% ages 65 or older.
Or how about the town directly adjacent west of that.
The racial makeup of the town was 85.92% White, 2.21% African American, 0.04% Native American, 9.59% Asian, 0.49% from other races, and 2.43% from two or more races. Hispanic or Latino of any race were 2.98% of the population.
The mean income for a household in town is $133,160, and the mean income for a family is $159,834[11]). Males had a median income of $80,182 versus $61,098 for females. The per capita income for the town was $54,754. About 3.1% of families and 5.8% of the population were below the poverty line, including 3.9% of those under age 18 and 6.3% of those age 65 or over.
This is the point I think metalhead was trying to get to. The total distance from the east end of the first to the west end of the 3rd is about 15 miles. 3 separate governments. 3 police departments. 3 fire departments. 3 school systems. Wanna guess which is best and which is worst? They are almost different worlds.
This is where the historical pattern of housing discrimination is really felt. Not in the lack of council housing, but in the fact of the exclusion of the poor, and even the not so poor, who are very commonly not white from the towns that are primarily white...
And have better police departments, better fire departments, and, even more critically, better school systems.
You lock up all the colored kids in the city with the crappy schools, and it really doesn't matter how smart those kids are. They'll never have access to the kind of education which gives them the opportunity to benefit from whatever brainpower they were born with.
Now, all that said, mortgage discrimination is only one aspect of the problem. Lack of privately owned rental properties are another major one. But while speaking of mortgage discrimination only addresses a piece of the total problem, it is by no means a small piece of it.