Happy couple embracing in their new home

Fair Lending Practices

Fair housing helps ensure more people have access to the resources that enable them to thrive and reach their potential. The Fair Housing Center strives to preserve homeownership, which serves as the key to the American Dream for many families and creates a strong foundation for neighborhood stability. Fair lending practices are essential to expand access to credit and banking services for all members of our community.

Historically, redlining practices have limited the financial and development opportunities within low to moderate income neighborhoods and communities of color, contributing to blight and disinvestment. The Fair Housing Center monitors the policies and practices of the lending industry, identifying lending patterns that may disproportionately impact our urban core, making homeownership and access to reliable, stable banking products out of reach for many families.

Model Banks

To help open the door to these opportunities, The Fair Housing Center worked with the City of Toledo Department of Neighborhoods to launch the Model Bank initiative. By providing guidance on how banks can develop more inclusive policies and practices, Model Bank helps our local financial institutions better serve the needs of our entire community. Find out more by reviewing the Model Bank Characteristics or Model Product Characteristics. If your financial institution is interested in becoming a Model Bank, please contact us today.

The following local banks offer community lending products, please contact them directly to discuss how their services may benefit you.

Citizens Bank Logo

5/3 Logo

First Federal Bank Logo

Huntington Bank Logo

Key Bank Logo

State Bank Logo