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Civil Procedure Keyed to Babcock
Swanson v. Citibank
Citation:614 F.3d 400 (7th Cir. 2010)
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- Topic: Identifies the topic of law and where this case fits within your course outline.
- Parties: Identifies the cast of characters involved in the case.
- Procedural Posture & History: Shares the case history with how lower courts have ruled on the matter.
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- Facts: What are the factual circumstances that gave rise to the civil or criminal case? What is the relationship of the Parties that are involved in the case. Review the Facts of this case here:
Plaintiff Swanson was applying for a mortgage with Citibank and believed that she was being discouraged by the Citibank representative from applying for a loan because Plaintiff Swanson is Black. Plaintiff requested to speak to a manager. Swanson told the representative and the manager that she was previously denied a home-equity loan by another bank. The manager told Plaintiff that it was harder to get a loan from Citibank than other banks. Plaintiff nevertheless applied for the loan and was conditionally approved based on her representation that her house was worth $270,000. Defendant Citibank hired Andre Lanier and PCI Appraisal Services to appraise Plaintiff Swanson’s home, which they said was $170,000. Defendant Citibank thereafter denied Plaintiff Swanson’s home-equity loan due to the low appraisal.
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- Reasoning and Analysis: Identifies the chain of argument(s) which led the judges to rule as they did.