Yep. Your "work" on these issues over the years has certainly opened my eyes quite a bit.
I suppose one could say, well it's just housing, and home ownership is overrated, and you'd be technically correct.
But, home ownership offers an enforced savings and wealth accumulation device that has been a key factor over the years for white folks to accumulate wealth (and the side benefit of stability). And that accumulation occurs over the course of generations, so 20-40 years for just a single generation. And it really only works for those who are able to buy in long-term desirable areas. If you have to buy in a shitty or deteriorating area, it probably doesn't work at all.
So, go back a generation or two and you're back in the really bad old days of deed restrictions and flat-out discrimination, so it's no answer to say "well, we fixed all that 10 years ago."
I have an anecdotal personal experience to back this up.
My parents, on the advice of my Dad's sister and the fact that Dad went to SMU on the GI Bill (whoops, not available to blacks), bought a duplex near SMU with a VA loan (oops, not available to blacks, also in a deed restricted area one year before judicial enforcement was banned).
They lived there for 15 years, kept it, and moved into a single-family home in the same area and school district and rented the dupiex (smart moves both, but also not practically or even probably legally available to black folks).
Desegregation meant that the value of all property in that city and school district skyrocketed in value through the 70s and 80s into the present.
Now, they were smart, and lucky, and they saved and sacrificed to do those things. And it contributed six figures of value to their estate at their passing. And those things were almost categorically unavailable to black people in the same time frame. And, mind you, this was 100 years after the Emancipation Proclamation.
The really cynical would say something to the effect that it doesn't matter, there were no blacks at that time that had the economic wherewithal to do what your parents did. That might maybe actually be true (and also prompts a lot of questions about exactly why that was). But at the outset, as a WWII vet, my Dad didn't have a pot to piss in. He had a college degree (two actually) and that's about it. And he was white.
My parents weren't overtly racist and they taught me not to be. They didn't stomp on any black people to get ahead. But they benefited in ways that were simply not possible for black Americans at that time. And they passed on their advantages so accumulated to me.