Redlining is primarily about denying or limiting mortgage services to certain neighborhoods.

• A. Denying or limiting mortgage services to certain neighborhoods
• B. Providing equal service to all neighborhoods
• C. Encouraging investment in all neighborhoods
• D. Offering identical terms everywhere

Answer: (A)

Redlining is the discriminatory practice of denying or limiting mortgage credit and related financial services in specific neighborhoods, often because of the neighborhood’s racial or ethnic makeup or perceived risk. This means qualified borrowers in those areas face barriers to obtaining loans or favorable terms simply because of where they live. That makes the description of denying or limiting mortgage services to certain neighborhoods the best fit. The other statements describe inclusive or neutral practices—providing equal service, encouraging investment in all areas, or offering identical terms everywhere—which do not reflect the targeted, discriminatory nature of redlining.