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for mortgage loans for properties in African-American neighborhoods.
39.
During another radio broadcast in January 2014, during which
Townstone marketed its services, a caller from Markham, Illinois, asked how he and
his wife could improve their credit scores. Markham is a city in Cook County, Illinois,
and its population is 80.3% Black or African-American, according to the U.S. Census
Bureau. Townstone’s president responded that the caller’s wife is “a woman and she
probably doesn’t have good credit because she’s a woman,” and that “[you’ve] got to
keep those women in line over there in Markham.” After further discussing the
couple’s credit concerns, he noted that “it’s crazy in Markham on weekends” and that
“I know, I’ve been to Markham.” “You drive very fast through Markham,” he
continued, “and you don’t look at anybody or lock on anybody’s eyes in
Markham . . . . You look at your dashboard, you don’t lock on anybody.”
Townstone’s president closed the segment by telling the caller to “stop spending
freaking money [on his wife] and tell her to get a better job.”
40.
Disparaging a majority-African-American city as “crazy,” a place to be
driven through quickly, and an area where people should avoid eye contact, would
discourage African-American prospective applicants from applying to Townstone for
mortgage loans; would discourage prospective applicants living in African-American
neighborhoods from applying to Townstone for mortgage loans; and would
discourage prospective applicants living in other areas from applying to Townstone
for mortgage loans for properties in African-American neighborhoods.
Case: 1:20-cv-04176 Document #: 1 Filed: 07/15/20 Page 11 of 18 PageID #:11