“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.”

I don’t know man. Like, I agree that data is missing, but the data they did pull is very damning. Like how is there a higher approval % of white applicants making less than half the yearly salary of black applicants?

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It feels a but ridiculous that you are using “less work hours due to pregnancy and childcare” as your primary explanation for why women make less over multi-decades long career.

Women go on pregnancy leave for months. How can this explain less pay for years of working?

I thought it takes a man and a woman to make a child. In addition, in many countries, both the man and woman can take leave when they have a child.

These sorta points greatly weaken your argument. You using child care as an alternative explanation towards why woman may make less is likely a symptom of the bias women face in the job market.