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Diversity, equity and inclusion (DEI) is a term used to describe policies and programs that promote the representation and participation of different groups of individuals, including people of different ages, races and ethnicities, abilities and disabilities, genders, religions, cultures and sexual orientations.

The US Census Bureau shows that there is a racial disparity for homeownership in America. As of Q-1 2021, the Black homeownership rate stands at 45.1% which is the lowest for all racial groups. The non-Hispanic White homeownership stands at 73.8% which is the highest for all racial groups. This results in a 28.7% gap between Black and non-Hispanic White homeownership. It should be noted that this gap is higher today than it was in 1968, when the Black homeownership rate of 42% compared to the non-Hispanic White homeownership rate of 63.9% resulted in a 23.9% gap. The importance of home ownership in all communities cannot be understated. Therefore, the goal of the National Association of Real Estate Brokers (NAREB) is to reduce and ultimately eliminate the rate gap between Black and non-Hispanic White homeownership.


  • Typical White family holds eight times the amount of wealth held by typical black family
  • For Blacks, home equity represents on average 70 percent of Black household's net worth compared to 59 percent among White households
  • Homeownership gap is larger than it was 80 years ago
  • Only 19 percent of loan originations to Black borrowers were purchased by the GSEs compared with 40 percent of those to Whites borrowers.
  • Black applicants experienced a loan origination failure rate of 35 percent, compared to a White applicant rate of 23 percent.
  • Origination rates across all lenders to Whites remained constant between 2019 and 2020; Blacks experienced a decline in origination rates across all lenders.
  • There has been a 33 percentage point increase in applications from Black millennials between 2018 and 2020, compared to a 14 percent point increase among White millennials.

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U.S. homeownership rate experiences largest annual increase on record, though black homeownership remains lower than a decade ago

Age Friendly Resources

Universal Design: Keys to a Livable Community

  • Inclusive Mobility is an approach to designing the public realm in a way that is accessible to all people.

NAR Housing Opportunities Resources

HUD Fair Housing Brochure

  • Equal access to rental housing and homeownership opportunities is the cornerstone of this nation’s federal housing policy.