the best known examples of redlining have involved denial of financial services such as banking or insurance. in the united states in the middle of the twentieth century, banks considered it risky to give mortgages to people in neighborhoods where most people were in ethnic minority groups, so they made them pay more money or refused to give them mortgages at all. as a result, ethnic minorities accumulated less wealth than white people. redlining has also occurred in when other services such as health care (see also race and health) or even supermarkets have been denied to residents.