How did governmental policies, business practices, and individual choices contribute to racially segregated suburbs?

During postwar suburban boom, federal agencies continued to insure mortgages that barred resale of houses to non-whites, thereby financing housing segregation. Banks and private developers barred non-whites from the suburbs and the government refused to subsidize their mortgages except in segregated enclaves. The process of racial exclusion became self-reinforcing. Non-whites remained concentrated in manual and unskilled jobs, the result of employment discrimination and their virtual exclusion from educational opportunities at universities. Source: