The US has a recent history of racial discrimination that prevented a lot of people from building wealth in their communities or generational wealth. Not that there aren't a shit ton of white people living in trailer parks, but no one was denying them home loans because of the color of their skin.

So, if owning your own home is a big part of your wealth over a life time, and your parents and their parents were discriminated against and prevented from accessing those mechanisms, it makes it much less likely that you will today be born in a wealthy or a poor family.

Look up redlining on wikipedia if you want specifics.