Interactive analysis of the 1937 Home Owners' Loan Corporation (HOLC) grading that institutionalized segregation in Lower Westchester County.
Mapping Inequality · 1937 HOLC Archive
Lower Westchester Redlining Map
Residential Security Classification · Systemic Disinvestment Data
Grade A
Grade D (Redlined)
Select a Zone
Analyze Redlining
Click any marker on the map to read the original 1937 HOLC area descriptions for Lower Westchester.
The Archive
Hazardous Area Descriptions
The HOLC maps categorized neighborhoods into four grades. Grade D (Red) was deemed "Hazardous," systematically denying mortgages to communities of color.
▶ Yonkers — Zone D13
South Yonkers / Waterfront
Industrial & Residential Decline
HOLC Description: "This is the least desirable portion of the city. Industrial factories, smoke, and noise make it a hazardous risk. Infiltration of a lower class of inhabitants is noted."
Legacy: Today, Zone D13 in Yonkers remains an area with high asthma rates and significantly less green space.
▶ Mount Vernon — Zone D1
South Side Mount Vernon
The Railroad Divide
HOLC Description: "Separated from the better residential sections by the New Haven Railroad tracks. High percentage of Negro families and relief cases."
Legacy: The tracks still serve as a stark socioeconomic boundary in Mount Vernon today.
▶ New Rochelle — Zone D10
Winthrop Ave / West End
Institutionalized Segregation
HOLC Description: "Inhabitants are largely Negroes and foreign-born. Proximity to industrial sites. This area is definitely hazardous and lending is not recommended."
Legacy: Redlined neighborhoods are up to 12 degrees hotter in summer than affluent shoreline areas.
Visualizing History
Explore the connection between 18th-century slavery and 20th-century institutional disinvestment.