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When Teri Murray tried to buy her first home in 1968, searching this leafy college town for the perfect place, she thought she was an ideal candidate: married, steadily employed, ample savings.

But banks rejected her, giving dubious excuses that they had stopped offering loans or the application period had closed.

At 76, Ms. Murray now realizes those experiences were common for Black residents like her who faced decades of racist housing practices designed to stymie homeownership or force them to live in certain areas.

鈥淲hatever reasons they gave us, I completely bought it,鈥� said Ms. Murray, who eventually purchased the Evanston property where she lives. 鈥淚 was discriminated against and didn鈥檛 know it.鈥�

Now her community is trying to make amends as the first American city to pay reparations. Acknowledging past racist policies, Evanston is giving eligible Black residents $25,000 housing grants for down payments, repairs, or existing mortgages this year. Although the approach is considered a model and homeowners like Ms. Murray are ready to apply, some Black residents say the effort falls short and true atonement hasn鈥檛 begun.

The idea of reparations wasn鈥檛 a hard sell in the predominantly white Chicago suburb of about 74,000 that鈥檚 known for liberal activism, intellectual discourse, and Northwestern University. Alderwoman Robin Rue Simmons, a fourth generation Black resident, spearheaded the effort after studying racial disparity data, which shows the average income of Black families in Evanston is $46,000 less than white families.

鈥淲e had to create ordinances and laws that said we are committed to inclusion in a tangible way, not just in a sign, not just in a resolution, but with our budget,鈥� said Ms. Simmons, who represents the predominantly Black 5th Ward.

The program will provide 16 grants the first year, with money from a $10 million reparations fund created in 2019 with legal marijuana taxes. To qualify, Black applicants must have lived in Evanston between 1919 and 1969 or be a direct descendent of someone who did. They must show proof, like a deed, and reside in Evanston currently. Aldermen will then decide how the rest of the fund will be spent.

The hope is to boost Black homeownership, increase property values, and draw residents back. Evanston鈥檚 Black population dropped to under 17% in 2017 from more than 22% in 2000.

Last summer鈥檚 reckoning over racial injustice revived interest in reparations in communities across the country, including the state of California and cities like Chicago; Amherst, Massachusetts; Asheville, North Carolina; and Iowa City, Iowa. Federal legislation for a commission has also gained traction.

The Rev. Michael Nabors, a local NAACP chapter president who leads Evanston鈥檚 Second Baptist Church, said this is the most exciting time in his 61 years.

鈥淚t is Evanston today and, in my opinion, it is going to be the United States tomorrow,鈥� he said. 鈥淲e are leading the way.鈥�

But not everyone agrees.

Alderwoman Cicely Fleming, the sole vote against the grants, said she supports reparations but Evanston鈥檚 effort isn鈥檛 that. Instead of giving money to banks, direct cash payments would give Black people power in deciding how they need repair, she said.

鈥淭he bank continues to be the largest beneficiary and perpetrator of housing discrimination,鈥� said Ms. Fleming, who鈥檚 Black. 鈥淚t really lays under the guise of a narrative that poor and/or African American people don鈥檛 know how to manage their money. Therefore, when the government gives them money, there are lots of parameters on how they can use it.鈥�

Experts also questioned calling it reparations.

Duke University economist William Darity said the label is overused and often has little to do with making restitution for Black American descendants of slavery. While Evanston鈥檚 program was a positive step, he co-wrote in a Washington Post , calling it reparations 鈥渄oes more harm than good.鈥�

Bennett Johnson, 92, won鈥檛 apply.

鈥淚t鈥檚 just a housing program,鈥� he said. 鈥淚t won鈥檛 work.鈥�

The Evanston resident who鈥檚 worked as a book publisher, political organizer, and activist pitched his own plan, which includes a venture capital group and a truth and reconciliation program like in post-apartheid South Africa.

Still, those involved say Evanston has been introspective.

鈥淚t鈥檚 a lot, a lot of work, and be prepared for pulling back old wounds, telling truth, gaining the trust,鈥� said local historian Morris 鈥淒ino鈥� Robinson Jr., who co-authored a city-commissioned study on housing practices.

Evanston鈥檚 first Black residents came during the Great Migration, many finding plentiful domestic and service jobs. By 1940, the Black population was over 6,000, Illinois鈥� largest outside Chicago, according to the study commissioned by the city. Most were concentrated in a triangular area, which is today鈥檚 5th Ward.

Some racist practices were informal: Real estate agents would steer Black families to certain areas, and banks often denied loans, making predatory financing pervasive. Other practices were law: A 1921 zoning ordinance converted areas where Black families lived to industrial zones, forcing them out.

鈥淭he consequences of the racial discrimination multiplied over time,鈥� said Jenny Thompson of the Evanston History Center, another study author.

Lots in the Black enclave were smaller; the buildings densely populated. Later, Evanston deemed many Black-owned homes 鈥渟ubstandard鈥� and they were cleared for new development, including a football field in 1941.

Ms. Murray and her sister, Jo-Ann Cromer, grew up in the 5th Ward, calling it thriving and close-knit. Ms. Cromer also remembers white families leaving, physically moving homes out of the neighborhood.

The sisters will apply.

Adjacent properties Ms. Murray owns through the 1968 purchase require foundational repairs and a new water line.

Ms. Cromer bought their parents鈥� home and wants to pay down her mortgage.

鈥淩eal estate represents wealth. I don鈥檛 think people understand if Black people had been allowed to buy property, there would be a lot of wealthy Black people in Evanston,鈥� Ms. Cromer said. 鈥淭here would be a path of wealth, generation to generation.鈥�

That鈥檚 what Nikko Ross, 25, wants.

He鈥檒l seek a grant, either for his down payment or for his mother to repair her six-bedroom house.

Buying a home in a community where his great-grandparents lived 鈥� Evanston鈥檚 median home value is roughly $400,000 鈥� would help his future family too.

鈥淭his home can always be used as a resource to any one of our family members,鈥� he said. 鈥淚f my kids want to live here, they will always have a home.鈥�

This story was reported by The Associated Press.