Can we have a real discussion about the Navy Federal situation without GROWN men being in their feelings like women

[BrothaZay]

https://www.thecoli.com/threads/navy-federal-caught-discriminating-against-black-mortgage-applicants.1010036/

In this thread I was negged but all I did was tell the truth

This is what happens when black ppl let themselves become the face of scamming

These are the type of navy federal videos all over the internet now



You’re a fool if you think they aren’t paying attention

Neither of these men could actually refute my claim

Ironically both @Elim Garak & @Voice of Reason have both ADMITTED they don’t even live in majority blacc neighborhoods themselves… just shows how fake nikkas are

But anyway I’m DOUBLING DOWN on my take

nikkas are on YouTube/instagram/tik tok etc openly promoting committing bank fraud at navy

They’re going on LARGE black podcast “giving the play”

You nikkas can’t use 5 seconds of reasoning n common sense to see why nfcu is getting more strict

Navy Federal Credit Union - WHAT HAPPENED?

Financial Advisor Jayson Thornton, CFP -- REACTS -- Navy Federal CU, the nation’s largest credit union rejected more than half its Black conventional mortgag...

www.youtube.com

Pocket watching wit jt made this live after I made my post so seems like he is more on my side

Some things to take from his video

- the actual disparity between white approvals and black approvals didn’t start until the pandemic

-most of the black ppl getting disproved are automatically getting filtered out because they committed bank fraud in the first place ie using the exact “run the play” template they learned on these podcast, putting down the exact same income level
With the exact same number of expenses.

Theres alot more you have to watch the video

 

[Creflo ½ Dollar]

https://www.thecoli.com/threads/navy-federal-caught-discriminating-against-black-mortgage-applicants.1010036/

In this thread I was negged but all I did was tell the truth





Neither of these men could actually refute my claim

Ironically both @Elim Garak & @Voice of Reason have both ADMITTED they don’t even live in majority blacc neighborhoods themselves… just shows how fake nikkas are

But anyway I’m DOUBLING DOWN on my take

nikkas are on YouTube/instagram/tik tok etc openly promoting committing bank fraud at navy

They’re going on LARGE black podcast “giving the play”

You nikkas can’t use 5 seconds of reasoning n common sense to see why nfcu is getting more strict

Navy Federal Credit Union - WHAT HAPPENED?

Financial Advisor Jayson Thornton, CFP -- REACTS -- Navy Federal CU, the nation’s largest credit union rejected more than half its Black conventional mortgag...

www.youtube.com

Pocket watching wit jt made this live after I made my post so seems like he is more on my side

Some things to take from his video

- the actual disparity between white approvals and black approvals didn’t start until the pandemic

-most of the black ppl getting disproved are automatically getting filtered out because they committed bank fraud in the first place ie using the exact “run the play” template they learned on these podcast, putting down the exact same income level
With the exact same number of expenses.

Theres alot more you have to watch the video

You actually have to be in the hood or be around black people to know that black people are doing a shyt ton of scams at Navy federal.

But when did Navy Federal start letting anybody get a banking account with them tho, before it used to be just military and immediate family?

Another discussion to be had, ever since the pandemic this the most money “the hood” ever had. Now people are even hitting taxes for 50-100k on top of all the other various 10-20k scams going on. One thing I learned reparations wouldn’t fix our community.

 

[BrothaZay]

You actually have to be in the hood or be around black people to know that black people are doing a shyt ton of scams at Navy federal.

But when did Navy Federal start letting anybody get a banking account with them tho, before it used to be just military and immediate family?

Another discussion to be had, ever since the pandemic this the most money “the hood” ever had. Now people are even hitting taxes for 50-100k on top of all the other various 10-20k scams going on. One thing I learned reparations wouldn’t fix our community.

Apparently now navy is extremely easy to get into. I’m hearing they stopped actually verifying military experience/relationships to service men. Part of this is their fault too

But yes going bacc to your first sentence most of these nikkas on here quicc to call you a c00n don’t even live around blacc ppl themselves. They have no idea what’s going on

nikkas lying about their salary and debt to income ratio heavy then crying racism. Give me a break.

 

[BrothaZay]

Took me 5 seconds to find post of nikkas openly conspiring to commit bank fraud against navy federal

 

[Buddy]

The shyt had to confirm a lot of suspicions if you were hearing talks of joining them

 

[BrothaZay]

another woman who spells “boy” like “boi” negs me with no rebuttal

 

[Sad Bunny]

The scammer dude from my hood been posting “Navy Federal tap in” for the past few weeks

 

[Sad Bunny]

https://www.thecoli.com/threads/navy-federal-caught-discriminating-against-black-mortgage-applicants.1010036/

In this thread I was negged but all I did was tell the truth





Neither of these men could actually refute my claim

Ironically both @Elim Garak & @Voice of Reason have both ADMITTED they don’t even live in majority blacc neighborhoods themselves… just shows how fake nikkas are

But anyway I’m DOUBLING DOWN on my take

nikkas are on YouTube/instagram/tik tok etc openly promoting committing bank fraud at navy

They’re going on LARGE black podcast “giving the play”

You nikkas can’t use 5 seconds of reasoning n common sense to see why nfcu is getting more strict

Navy Federal Credit Union - WHAT HAPPENED?

Financial Advisor Jayson Thornton, CFP -- REACTS -- Navy Federal CU, the nation’s largest credit union rejected more than half its Black conventional mortgag...

www.youtube.com

Pocket watching wit jt made this live after I made my post so seems like he is more on my side

Some things to take from his video

- the actual disparity between white approvals and black approvals didn’t start until the pandemic

-most of the black ppl getting disproved are automatically getting filtered out because they committed bank fraud in the first place ie using the exact “run the play” template they learned on these podcast, putting down the exact same income level
With the exact same number of expenses.

Theres alot more you have to watch the video

They hate to hear the truth bro.

 

[Sad Bunny]

You actually have to be in the hood or be around black people to know that black people are doing a shyt ton of scams at Navy federal.

But when did Navy Federal start letting anybody get a banking account with them tho, before it used to be just military and immediate family?

Another discussion to be had, ever since the pandemic this the most money “the hood” ever had. Now people are even hitting taxes for 50-100k on top of all the other various 10-20k scams going on. One thing I learned reparations wouldn’t fix our community.

I opened an account over the phone in 2020-2021 when I was looking for mortgage loans.

 

[DatBoiHawk]

another woman who spells “boy” like “boi” negs me with no rebuttal

That was my rebuttal sister zay. You saying it’s because black folks are scamming. Well banks have been doing this way before the pandemic and black folks “being the face of scamming”. You think they don’t know white folks be doing the same shyt? Donald trump and the rest of the white collar Crime cacs are the biggest scammers in America, but you want to blame a few nikkas scamming as an excuse for navy federal discriminating. Expand your mind past hood shyt on Facebook nikka all black folks ain’t scamming and with the under writing these companies are doing I’m sure they know most of these people applying aren’t scamming

 

[Squirrel from Meteor Man]

None of what you posted has anything to do with the disparity of applications being approved. These aren’t black people trying to get a car loan or a credit card; these are mortgage applications.

The disparity remains even among White and Black applicants who had similar incomes and debt-to-income ratios. Notably, Navy Federal approved a slightly higher percentage of applications from White borrowers making less than $62,000 a year than it did of Black borrowers making $140,000 or more.

A deeper statistical analysis performed by CNN found that Black applicants to Navy Federal were more than twice as likely to be denied as White applicants even when more than a dozen different variables – including income, debt-to-income ratio, property value, downpayment percentage, and neighborhood characteristics – were the same.

JT is soft-shoeing because he hates EYL that much. I’m not a fan of them either, but he’s too smart to be conflating two separate issues.

 

[BrothaZay]

That was my rebuttal sister zay. You saying it’s because black folks are scamming. Well banks have been doing this way before the pandemic and black folks “being the face of scamming”. You think they don’t know white folks be doing the same shyt? Donald trump and the rest of the white collar Crime cacs are the biggest scammers in America, but you want to blame a few nikkas scamming as an excuse for navy federal discriminating. Expand your mind past hood shyt on Facebook nikka all black folks ain’t scamming and with the under writing these companies are doing I’m sure they know most of these people applying aren’t scamming

The post is about navy federal. You’re talking about all banks.

If you watched the video, jt bought out facts and data. The black people not getting approved at navy federal skyrocketed after the pandemic. Again he shows data and numbers to support this. There were even other black people in underwriting who called in and explained.

nikkas like you are just victims

 

[BrothaZay]

None of what you posted has anything to do with the disparity of applications being approved. These aren’t black people trying to get a car loan or a credit card; these are mortgage applications.



JT is soft-shoeing because he hates EYL that much. I’m not a fan of them either, but he’s too smart to be conflating two separate issues.

Because this is not the full story

If black people who make $160k a year are getting denied it’s because their credit profile is still trash or they’re simply lying about their income
And it got caught in underwriting

Ask yourself why someone who makes $160k is only going thru navy federal and nowhere else.
Cuz they’re full of shyt and trying to “run the play “

 

[DatBoiHawk]

Because this is not the full story

If black people who make $160k a year are getting denied it’s because their credit profile is still trash or they’re simply lying about their income
And it got caught in underwriting

Ask yourself why someone who makes $160k is only going thru navy federal and nowhere else.
Cuz they’re full of shyt and trying to “run the play “

nikkas like you just make excuses for racism obviously. You can’t be serious dawg…

 

[BrothaZay]

nikkas like you just make excuses for racism obviously. You can’t be serious dawg…

Run the play