Populations increased so rapidly among both African-American migrants and new European immigrants that there were housing shortages in most major cities. With fewer resources, the newer groups were forced to compete for the oldest, most run-down housing. Ethnic groups created territories which they defended against change. Discrimination often restricted African Americans to crowded neighborhoods. The more established populations of cities tended to move to newer housing as it was developing in the outskirts. Mortgage discrimination and redlining in inner city areas limited the newer African-American migrants' ability to determine their own housing, or obtain a fair price. In the long term, the National Housing Act of 1934 contributed to limiting the availability of loans to urban areas, particularly those areas inhabited by African Americans.