America’s Biggest Banks Gave Out Just Four—4!—Loans To Black Borrowers In Oakland In 2013. | Gradient

America’s Biggest Banks Gave Out Just Four—4!—Loans to Black Borrowers in Oakland in 2013.


A flummoxing new study from the Greenlining Institute and Urban Strategies Council found that in 2013, America’s top twelve lenders gave out a mere four loans to African Americans seeking to buy houses in Oakland, California.

2013 was early days of the housing market’s rebound from the collapse, and it’s hard to imagine a more affordable time to purchase a home coming around again in our lifetimes. Unfortunately, black people appeared to be almost entirely shut out of this huge opportunity in Oakland and other places in California that were part of the survey. Here’s a chart, via Fusion.


All told, black people counted for 6 percent of originations, while comprising 29 percent of the total population.

The study went on to say:

“As the nation recovered from the recent economic crisis, the majority of Californians were locked out of the 2013 housing market—missing the most affordable time to buy a home,” the study found. “44% of California’s residents—the combined African American and Hispanic populations—obtained just 10.5% of total mortgage dollars lent by the top 12 lenders statewide. Sadly, these disparities were more pronounced in three cities where African Americans and Hispanics averaged 56% of the population.”


New Pod Flow: Sounds Good With Branden Harvey “Jason Russell”


Jason is the cofounder of the iconic non-profit Invisible Children which was founded to increase awareness of the horrendous activities of the LRA in Central Africa. Jason was also the director of the iconic Kony 2012 film that took the world by storm. In this two-part interview Jason and Branden talk about what it means to create a movement, what Jason experienced during his breakdown and subsequent recovery, and Jason’s experience in the world of theater.

New Pod Flow: Animalators, “ Aharon Rabinowitz”


Aharon Rabinowitz is the head of marketing for Red Giant based in New York City. During our conversation, we discussed the importance of work life balance, his start as a production intern at Sesame Street and why artist’s feel personally offended when you reject their work.

New Pod Flow: In Case You Missed It, Episode 040


United gets their cheap on, fake news, and Trump hired who?

New Pod Flow: Scribble & Jam, “Artist Matthew Perryman Jones”


Welcome to Episode IV. This week, Dan spends some time with his favorite singer/songwriter, Matthew Perryman Jones. Matthew and Dan talk about panic attacks, growing up in Atlanta, the way music is informed by pain and suffering and the way music gives freedom.

If you have spent any time watching television in the last decade you have most likely heard one of Mattew’s songs on shows like Grey’s Anatomy, Pretty Little Liars, One Tree Hill and many others. His insightful writing and voice have drawn comparisons to Leonard Cohen and Jeff Buckley, and he is on the short list of songwriters who skillfully weave the deeply philosophical and the vivid utterly human without ever losing sight of either.

To get his new album Cold Answer, (which features the three songs from him you heard on this episode), visit

Subscribe on iTunes.

New Pod Flow: Sounds Good With Branden Harvey “Next Steps After the Presidential Election”


Branden sits down with writer and speaker Tyler Huckabee days after Donald Trump was elected President of the United States to talk about empathy, justice, listening, and where we go from here.

New Pod Flow: In Case You Missed It, Episode 039


Special Election Edition, President Trump to legalized weed and everything in between.

This week we reflect on the election and discuss our strategies for staying sane.

New Pod Flow: Animalators, “Illo


Luca and Ilenia are the founders of Illo, a studio based in Turin, Italy.  During our conversation, we discussed their self-driving video bot named Algo, how Illo was formed and how they’ve crafted a unique office culture.

New Pod Flow: In Case You Missed It, Episode 038


This week we discuss Beyonce’s night at the CMAs, last minute election plans and how SNL might save us all.

Subscribe on iTunes and Stitcher.

New Pod Flow: It’s a Bird, It’s a Plane, It’s a Podcast: Doctor Strange


We appreciate everyone sticking with us through this long hiatus but are planning our return even as we speak, with a bunch of new goodies and an updated format. In the meantime, here’s a brief primer on Marvel’s Sorcerer Supreme, Doctor Strange — just so you can go into the movie knowing what you’re getting yourself into.