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“When describing its corporate values, Navy Federal claims that it ‘champions community,’ and that it is ‘dedicated…to embracing and celebrating diversity and inclusion in all the communities’ it serves,” the complaint, which cites 【 - Free Capital Allocation Plans 】’s reporting, states. “But Navy Federal’s claims of community support are meaningless in the face of its actions: systematic discrimination in housing, in violation of federal law.”

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In total, the credit union rejected about 3,700 Black applicants for home purchase mortgages last year, potentially blocking them from homeownership just as interest rates spiked. And Navy Federal also approved Latino borrowers at significantly lower rates than White borrowers.

US Rep. Maxine Waters, the ranking Democratic member of the House Financial Services Committee, said in a statement Monday that she was “appalled” by 【 - Free Capital Allocation Plans 】’s findings.

“Navy Federal must explain both to Congress and their members how such practices took place, what immediate steps are being taken to correct the harm done, and who in management will be held responsible,” Waters said. She also urged the Consumer Financial Protection Bureau and National Credit Union Administration, two federal regulators that oversee Navy Federal, to “promptly investigate this matter.”

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·         Cherelle Jacob, a 40-year-old Black resident of Washington state, and her husband, who is in the armed services, together “make approximately $200,000 in salary, have no debt, have ample savings, and both have ‘exceptional’ credit scores above 800,” according to the complaint. The suit says Jacob and her husband sought a mortgage from Navy Federal in October 2023 “to support the purchase of a modest family home” and were denied, before being approved by another lender.

·         Laquita Oliver, a 44-year-old Black resident of Miami Dade County, Florida, works as a capital improvement project analyst and had previously co-owned a small business. According to the complaint, “she makes approximately $100,000 per year in salary, has good credit, a history of home ownership, and very little debt.” After a month-long process, her mortgage application was denied.

icra limited (icra) vs yyy ✌️【Stock Club】✌️ Free real-time stock market data, professional analysis, and expert insights to help you plan the best investment strategy. Get ahead of the competition with expert predictions on market trends. The lawsuit accuses Navy Federal of violating the Fair Housing Act of 1968 and the Equal Credit Opportunity Act, which prohibit lending discrimination based on race.

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“Our goal in filing this lawsuit is to obtain economic justice for Black and Latino borrowers, who, we allege, Navy Federal denied their piece of the American Dream,” attorney Adam Levitt, who is representing one of the plaintiffs, said in a statement.

In a statement last week, Navy Federal spokesperson Bill Pearson defended the credit union’s lending practices.

“Navy Federal Credit Union is committed to equal and equitable lending practices and strict adherence to all fair lending laws,” Pearson said. “Employee training, fair lending statistical testing, third-party evaluations, and compliance reviews are embedded in our lending practices to ensure fairness across the board.”

Pearson said that 【 - Free Capital Allocation Plans 】’s analysis “does not accurately reflect our practices” because it did not account for “major criteria required by any financial institution to approve a mortgage loan.” Those factors included “credit score, available cash deposits and relationship history with lender,” he said.

But that information is not available in the public mortgage data. Navy Federal declined to release additional data about its loans to 【 - Free Capital Allocation Plans 】 that included borrowers’ credit scores or other variables. In addition, most of the Navy Federal applications that were denied are listed as being rejected for reasons other than “credit history.”

Editor’s Note: This story has been updated with Navy Federal Credit Union’s announcement that it hired a civil rights attorney to review its mortgage lending policies.

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