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The grades ranged from A to D. A was color-coded green, B - blue, C - yellow, and D - red.
A (Best): Typically upper- or upper-middle-class white neighborhoods that HOLC defined as posing a minimal risk for banks and other mortgage lenders, as they were "ethnically homogeneous".
B (Still Desirable): Generally mostly white, non-immigrant neighborhoods classified as "still desirable" and sound investments for mortgage lenders.
C (Declining): Areas where the residents were often working-class and/or first or second-generation immigrants from Europe. These areas often lacked utilities and were characterized by older building stock.
D (Hazardous): Areas here often received this grade because residents consisted of minority populations. These areas were more likely to be close to industrial areas and to have older housing.
These overlays are available for Spokane, Seattle, and Tacoma, as these were the only cities in Washington State that the HOLC had created maps for.
Citation
Washington Tracking Network, Washington State Department of Health. Web. "Historical Redlining (HOLC)". Data obtained from the Mapping Inequalities Project at the University of Richmond Data. Published September 2025.