The bank, US Bank, I feel, totally is engaging in redlining.

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Banks are not allowed to "redline" so they have to lend when there is a willing buyer.

Local banks must give loans to owner-occupied properties of qualified buyers or they are guilty of redlining.

I wasn't in the real estate world last downturn (was stationed in West Africa when the crash happened), but a lot of folks who owned in what some consider "C" and "D" neighborhoods in places local to me like East Oakland, Stockton, and Vallejo, felt particularly targeted with the inability to draw on HELOCs or secure additional financing, even though if that was explicitly the case and it could be proven there would have hypothetically been a good case for a lawsuit based on the illegal practice of "redlining." 

The diagram below illustrates what can happen over time, depending on the direction of the market.The red line represents a declining market (where rents and prices are declining, constant or increasing below the rate of inflation) and the green line represents an appreciating market (rents and prices are increasing above the rate of inflation).

The landlady I referred to asking for an application and fee prior to showing the property made me wonder if some sort of redlining was rearing its ugly head.

That is the big red line.

Redlining at its finest.

Red line is monthly $ total spent on all utilities.