Redlining wasn't about which borrowers qualified for credit. It was about which areas were allowed to become mostly homeowners vs other areas that remained mostly renters. There were black people with sufficient income and savings to get a subsidized loan at the time. But nearly all the houses they might have wanted to buy were either considered "risky" by the federal government or else they were in desirable areas that had "whites only" covenants.
The racial wealth disparity in this country is mainly driven by this.
You want to blame welfare and abortion, and I'm not arguing in favor of either of those things, but I am saying those things impacted poor whites and poor blacks equally. The disparate impact was in the housing policy.

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