Prior to Brown, many of today’s suburban municipalities were just neighborhoods of the cities they were near, neighborhoods that were almost entirely populated by white people due to racist administration of FHA loans, racist zoning laws, and racist real estate business practices. Post Brown is when a lot of them started to be spun off into independent municipal governments by state legislatures with their own mayors and city councils and school districts.

So, rereading it now, I feel like I should correct my initial comment here - it wasn’t the white people with FHA loans who started this process of creating segregated communities, it was the ones who administered those loans and who were writing the laws incorporating them as independent government entities.