Eighty years ago, the federal government drew red lines around Chicago's black neighborhoods and warned banks not to make home loans there.

Today, discrimination in housing is outlawed, and federal regulations are supposed to ensure banks lend in all neighborhoods.

But a new analysis by WBEZ and the nonprofit newsroom City Bureau shows gaping disparities in the amount of money lent in Chicago's white neighborhoods compared to black and Latino areas — a pattern that locks residents out of home ownership, deprives communities of desperately needed capital investment and threatens to exacerbate racial inequities between neighborhoods.