Is it really the fault of the lenders?

"Redlining", in which mortgage lenders would refuse to grant home loans to low-income areas used to be common practice in the industry, because it avoided risk. With the Community Reinvestment Act (CRA), which was ped in 1977and revised under the Clinton and Bush administrations, reversed this trend. Lending institutions were coerced by the government to begin a practice known as "Reverse Redlining", in which people who cannot afford houses are given loans for those houses anyway. Before we start blaming the lenders, why don't we repeal the CRA?