My dude, you're missing about thirty years of history.

Redlining was made illegal by the Fair Housing Act in the late 60's. It may have still existed in some fucked up form but it was no longer the standard by which lending was done. There's a reason the rate of home ownership among Black people has steadily risen ever since, and yet it still isn't close to any other group of people.

The whole system is fucked and it's largely set up to fuck Black people because some mayo motherfuckers still want to own humans.