Mortgage Giant Fannie Mae Accused of Racial Discrimination
in 38 U.S. Metro Areas
National Fair Housing Alliance and 20 Civil Rights Groups
File Federal Lawsuit Over Neglected Foreclosures
The National Fair Housing Alliance (NFHA) and 20 local fair housing organizations from across the United States filed a housing discrimination lawsuit on December 5, 2016 against Fannie Mae in federal district court in San Francisco, California. The lawsuit alleges that Fannie Mae purposely fails to maintain its foreclosures (also known as real estate owned or “REO” properties) in middle- and working-class African American and Latino neighborhoods to the same level of quality it does for foreclosures it owns in white middle- and working-class neighborhoods. The data supporting the federal lawsuit, which includes substantial photographic evidence, shows a stark pattern of discriminatory conduct by Fannie Mae in the maintenance of its foreclosures.
The lawsuit is the result of a multi-year investigation. During the past several years, NFHA notified Fannie Mae many times of its failure to maintain and market its foreclosed homes in communities of color to the same standard to which it was maintaining and marketing the foreclosed homes it owned in similar, predominantly white neighborhoods. In spite of numerous meetings between NFHA and Fannie Mae to address these disparities in maintenance and marketing, Fannie Mae persisted in its willful neglect of its properties in African American and Latino neighborhoods.
The initial investigation was undertaken by NFHA and two local fair housing organizations in 2009 and involved four metropolitan areas. Much of this evidence was shared with Fannie Mae. However, Fannie Mae failed to make changes to ensure equal treatment in the maintenance and marketing of its foreclosures in neighborhoods of color, and the investigation was expanded to include an additional 18 fair housing organizations, culminating in data from 212 cities in 38 metropolitan areas (see below).
Comprised of evidence from 2011 through 2015, the lawsuit contains information from more than 2,300 foreclosures owned and maintained by Fannie Mae. NFHA and its 20 partner fair housing organizations collected evidence at each property on over 35 data points that were identified as important to protecting, securing, and marketing the homes. Investigators also took and reviewed over 49,000 photographs of these foreclosures that document the differences in treatment.
- Read the press release
- Read the complaint
- View exhibit A (Fannie Mae field service checklists)
- View the national presentation
Beneath the map are the lists of the metropolitan areas in the complaint and of the local fair housing organizations that partnered in the complaint. Presentations for individual metro areas are linked to the areas’ names when available. For additional information and photographs, please contact the National Fair Housing Alliance directly.

Partnering Fair Housing Groups (20)
- Central Ohio Fair Housing Association
- Connecticut Fair Housing Center
- Denver Metro Fair Housing Center
- Fair Housing Center of Central Indiana
- Fair Housing Center of the Greater Palm Beaches
- Fair Housing Center of West Michigan
- Fair Housing Continuum (Melbourne, FL)
- Fair Housing Advocates of Northern California
- Greater New Orleans Fair Housing Action Center
- HOPE Fair Housing Center (Wheaton, IL)
- Housing Opportunities for Excellence (HOPE) (Miami, FL)
- Housing Opportunities Made Equal of Virginia
- Housing Research and Advocacy Center (Cleveland, OH)
- Metro Fair Housing Services (Atlanta, GA)
- Metropolitan Milwaukee Fair Housing Council
- Miami Valley Fair Housing Center (Dayton, OH)
- North Texas Fair Housing Center
- Open Communities (Cook County, IL)
- South Suburban Housing Center (Homewood, IL)
- Toledo Fair Housing Center
Metropolitian areas (38)
- Albuquerque
- Atlanta
- Baltimore
- Baton Rouge
- Charleston
- Chicago
- Cleveland
- Columbus
- Dallas
- Dayton
- Denver
- Fort Worth
- Gary
- Grand Rapids
- Greater Palm Beaches
- Hartford
- Indianapolis
- Kansas City
- Las Vegas
- Louisville
- Memphis
- Miami
- Milwaukee
- Minneapolis
- Muskegon
- New Orleans
- Newark
- Orlando
- Phoenix
- Philadelphia
- Providence
- Richmond and Oakland, CA
- Richmond, VA
- San Diego
- Toledo
- Tuscon
- Vallejo
- Washington, DC and Prince George’s County, MD