April Hayes Young, Credit Underwriter on Influential Women
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Influential Woman · Financial Services | Mortgage & Real Estate Lending

April Hayes Young

Credit Underwriter, Navy Federal Credit Union

Pensacola, FL 32534

15Years experience
2Awards received

Certifications · Degrees · Memberships

Degree University of West Florida — Bachelor of Science (B.S.), Management / Marketing Degree Pensacola State College Cert Federal National Mortgage Licensing (NMLS) Certification Member Delta Sigma Theta Sorority, Inc.

Her Story

About April

April Hayes-Young is an experienced real estate lending and mortgage professional with more than 20 years of experience spanning mortgage processing, underwriting, credit assessment, compliance, mortgage production, and team leadership. She currently serves as a Forensic Underwriter at Navy Federal Credit Union, where she analyzes mortgage risk and works collaboratively with team members, leadership, and peers to ensure members' lending needs are met while maintaining rigorous standards. Her professional expertise includes real estate lending, due diligence underwriting, credit decisioning, mortgage operations, regulatory compliance, risk assessment, and employee development. April's career includes extensive experience with Navy Federal Credit Union and Wells Fargo Financial. At Navy Federal, she previously served as Mortgage Production Supervisor, Mortgage Loan Reviewer, and Mortgage Loan Processor III, progressing through increasingly responsible roles in mortgage operations. As a Mortgage Loan Reviewer, she reviewed first-mortgage purchase and refinance loans for quality and ensured loans met Fannie Mae, Freddie Mac, Ginnie Mae, and VA requirements. At Wells Fargo, she served in roles including Lead Processor / Loan Document Specialist III, Lead Processor, Loan Processor II, Assistant Branch Sales Manager, and Credit Manager. Her accomplishments included training and coaching staff, developing policies and procedures, serving as a compliance resource, managing lending risk, and earning District Employee of the Month in September 2003 as well as recognition as the region's #1 performer for files requiring no corrections. She holds a Bachelor of Science in Management / Marketing from the University of West Florida and has an NMLS-related mortgage licensing credential. Beyond her technical expertise, April is passionate about leadership, mentoring, training, and helping others develop professionally. She served as a Mortgage Production Supervisor Subject Matter Expert, supporting mortgage production teams with policies, systems, regulations, and best practices, and she is actively interested in leadership opportunities focused on training, development, and mentorship within the mortgage and real estate sector. Her community involvement includes six years as a foster parent with Families First Network, as well as membership in Delta Sigma Theta Sorority, Inc. She has also completed a children's book intended for distribution to elementary schools. April's advice to the next generation reflects her own approach to professional growth: expect opposition, prepare for challenges, remain teachable, and continue pursuing your goals despite obstacles.

Her Interview

Ten minutes with April

01What do you attribute your success to?

I attribute my success to the leadership, guidance, and example I received from my parents, particularly my father, who serves in the United States Army. As his oldest daughter, I was given a unique perspective on responsibility, discipline, perseverance, and leadership from an early age. Watching my father lead with purpose and watching my mother stand beside him taught me that true leadership is not always about being in the spotlight -- it is about showing up, supporting others, and being willing to do the work.


I also grew up watching my parents navigate entrepreneurship and business together. I saw firsthand the importance of partnership, resilience, integrity, and having the courage to pursue something bigger than yourself. Their influence despite opposition taught me that success is not simply measured by personal accomplishments, but by the impact you have on the people and community around you. One of the experiences that left a lasting impression on me was witnessing my parents play a role in the community efforts that helped orchestrate the change of the streets Alcaniz and Cross to what is now Dr. Martin Luther King, Jr. Street. Seeing my parents participate in something that connected history, community, leadership, and progress showed me that ordinary people can contribute to meaningful change.


Being the oldest daughter shaped me as well. I learned early to observe, take responsibility, lead by example, and understand that people are often watching what you do more than listening to what you say.


Today, I carry those lessons with me. My success is rooted in the foundation my parents gave me: serve with integrity, lead with purpose, persevere through adversity, support others, and strive to use my experiences and influence to make a difference in my community and the lives of others.

02What’s the best career advice you’ve ever received?

The best career advice I've ever received is simple: treat people the way they want to be treated. Throughout my career, I've learned that success is not only about what you accomplish, but also about how you make people feel along the way. Listening, showing respect, leading with empathy, and understanding that that everyone has different needs and perspectives have shaped the way I work and lead. I believe that when you treat people with dignity and genuine care, you build trust - and trust is the foundation of meaningful relationships and lasting success.






















03What advice would you give to young women entering your industry?

My advice to young women entering the industry is to expect opposition and plan for it. Challenges and obstacles are a natural part of pursuing any meaningful goal, so I believe it is important to think ahead and develop a plan for how you will respond when they arise. Most importantly, always remain teachable. Stay open to learning, accept opportunities to develop your skills, and continue growing even when the path becomes difficult.

04What are the biggest challenges or opportunities in your field right now?

One of the biggest challenges --- and opportunities -- in my field today is learning not to allow comparison, assumptions, or technology to define how we see ourselves or one another.


I have learned that comparison can easily influence our worldview and cause us to question our own value systems, accomplishments, and journey. I believe each person has to remain grounded in who they are and what they bring to the table rather than measuring their success against someone else's.


Another challenge is being prejudged. In a world where people often make quick conclusions based on a resume', a title, an interaction, or even a message, I believe there is tremendous value in taking the time to truly understand people before forming an opinion about them.


Technology has also changed the way we communicate. Tet messages and digital communication can be easily misunderstood because they remove so much of what makes human communication meaningful --- tone, facial expression, body language, personality, and intention. I have learned that sometimes you cannot allow the digital divide to replace genuine human connection. When something is important, I believe in having the courage to meet someone face-to-face, hear their voice, understand their disposition, and listen for their true intentions.


For me, the opportunity is to bring humanity back into leadership and communication. Technology should help us connect, not prevent us from connecting. I believe the strongest leaders will be those who can embrace innovation while still remembering the importance of empathy, conversation, and truly seeing people.

05What values are most important to you in your work and personal life?

The values that are most important to me, both professionally and personally, are integrity, family, empathy, resilience, collaboration, service, and authenticity.


Integrity is at the center of how I conduct myself. I believe in doing what is right, even when no one is watching, and standing firm.ly in the values that guide me.


Family has also shaped who I am. As the oldest daughter, I learned early the importance of responsibility, supporting others, and leading my example. Watching my parents support one another, build businesses, and contribute to their community taught me that success is most meaningful when it can be shared and used to positively influence others.


Collaboration is equally important to me. I believe some of the greatest accomplishments happen when people bring their different experiences, strengths, and perspectives together toward a common goal. I learned that from watching my parents work as partners, and I have carried that lesson throughout my career. Leadership, to me, is about having all the answers; it is about knowing how to bring people together and create an environment where everyone can contribute.


Empathy is another value I carry into everything I do. I believe people deserve to be heard and understood before they are judged. I try to approach people with respect and recognize that everyone is carrying a story that ma not be visible on the surface.


Resilience has become an important party of my journey as well. Life and career do not always unfold the way we expect, but I believe challenges can teach us, strengthen us, and reveal what we are truly capable of.


Above all, I value authenticity. I want to remain true to who I am while continuing to grow. Whether I am leading, collaborating with others, raising my family, or contributing to my community, I want my actions to reflect my values.


For me, success is not simply about achievement. It is about who I become along the way, how I treat people, how I work with other, and the positive influence I have on those around me.

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