He texted her when it was time for her to return, noting that nothing about the visit was extraordinary. Two days later, Duffy received a copy of her new appraisal with the higher $259,000 value. Boston had no explanation for the more than 40% difference between his appraisal and the final one. "We should have to look at those appraisals to figure out why there's such a big difference," he said. But, he questioned why the third appraiser's identity is redacted in the HUD complaint publicly released by the Fair Housing Center. He said he also wondered whether that party is certified.

Magical third appraisal of unknown appraiser who won’t self identify or share their methodology, wonder how that happened.

Despite the public safety orders and business closures caused by the pandemic, the real estate market in Central Indiana was red hot. The Federal Reserve was keeping interest rates low. And, Duffy said her sister, who lives nearby, had her home appraised at roughly $198,000 in 2019.

So her black sister got a good appraisal but she didn’t because racism?