Lakeland Bank Redlining Case | Behind the Lines | The Constructive House

In 2022, the U.S. Department of Justice reached a $13 million settlement with Lakeland Bank, a New Jersey-based lender accused of modern redlining—subtly and systematically excluding Black and Hispanic communities from access to mortgage lending.

🏘️ From 2015 to 2021, Lakeland had:

❌ No branches in majority-Black or Hispanic neighborhoods
📉 Very few loans made in communities of color
🛑 No outreach or marketing to areas like Newark, NJ
👥 No loan officers assigned to high-minority ZIP codes

There were no slurs. No hateful messages. Just silence—a lack of presence that had real consequences for families seeking homeownership.

💰 The DOJ settlement included:

$12 million in loan subsidies for impacted borrowers
$750,000 for outreach and education
Required fair lending training
A commitment to open new branches in underserved areas

Lakeland Bank didn’t admit wrongdoing—but the changes tell the story. This case reminds us: Redlining didn’t end—it evolved.

📘 Want more stories like this?
Download The Redlining Case Files—a guide that breaks down real cases of modern housing discrimination and how you can protect yourself.
https://242922488.hs-sites-na2.com/tool-kits

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👉 https://theconstructivehouse.blogspot.com

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