Fairway Independent Mortgage Redlining in Birmingham | Behind the Lines

In this episode of Behind the Lines, we break down the Department of Justice’s redlining case against Fairway Independent Mortgage, revealing how digital-era discrimination still locks out entire communities from fair lending.

🚨 What did Fairway do?

📍 Failed to maintain a single branch in majority-Black and Latino neighborhoods
📣 Did not engage in meaningful outreach or marketing to underserved communities
👥 Employed no loan officers focused on diverse areas
📉 Approved significantly fewer loans in communities of color—despite market demand

This wasn’t an oversight. It was systemic and sustained.

⚖️ What was the outcome?
In 2023, Fairway entered into a consent order with the DOJ, agreeing to:

💰 Invest $4 million in loan subsidies and outreach in impacted neighborhoods
📊 Implement new oversight, fair lending training, and compliance systems
🏘️ Increase lending access and presence in underserved communities
🕵🏽 Submit to DOJ monitoring to ensure real change

🧱 Why it still matters:
Modern redlining doesn’t always wear a hood. Sometimes it wears a suit—and hides behind algorithms, policies, or silence.
This case proves that exclusion is still happening, and we have to keep the pressure on.

📘 Want the full story?
Download The Redlining Case Files—my exclusive e-guide exposing modern redlining and what every homebuyer should know.
👉 https://242922488.hs-sites-na2.com/toolkit-redlining-case-files

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On Behind the Lines, we break down real housing justice cases—so you can stay informed, empowered, and ready to fight back.

Justice in housing starts with the truth. Let’s tell it.

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