Robinson v. Nationstar Mortgage

── Robinson v. Nationstar Mortgage ── Court: Court of Appeals for the Tenth Circuit Date: April 21, 2026 Category: General Appellate Case: 24-7083 Document: 46-1 Date Filed: 04/21/2026 Page: 1 FILED United States Court of Appeals UNITED STATES COURT OF APPEALS Tenth Circuit FOR THE TENTH CIRCUIT April 21, 2026 _________________________________ Christopher M. Wolpert Clerk of Court KATRINA ROBINSON, Plaintiff - Appellant, v. No. 24-7083 (D.C. No. 6:21-CV-00380-RAW) NATIONSTAR MORTGAGE, LLC, (E.D. Okla.) d/b/a Mr. Cooper, Defendant - Appellee. _________________________________ ORDER AND JUDGMENT * _________________________________ Before BACHARACH, CARSON, and ROSSMAN, Circuit Judges. _________________________________ Katrina Robinson appeals the district court’s judgment in favor of defendant on claims arising under the Fair Housing Act (“FHA”) and Oklahoma state law. On summary judgment, the district court concluded Robinson lacked standing to bring her FHA claim and declined to exercise supplemental jurisdiction over the state law claims. Exercising jurisdiction under 28 U.S.C. § 1291, we affirm. After examining the briefs and appellate record, this panel has determined * unanimously to honor the parties’ request for a decision on the briefs without oral argument. See Fed. R. App. P. 34(f); 10th Cir. R. 34.1(G). The case is therefore submitted without oral argument. This order and judgment is not binding precedent, except under the doctrines of law of the case, res judicata, and collateral estoppel. It may be cited, however, for its persuasive value consistent with Fed. R. App. P. 32.1 and 10th Cir. R. 32.1.  Appellate Case: 24-7083 Document: 46-1 Date Filed: 04/21/2026 Page: 2 I Robinson is the daughter of the late Kathalene Terrell, who owned a house (“Property”) in Muskogee, Oklahoma. Defendant Nationstar Mortgage, LLC, doing business as Mr. Cooper (“Nationstar”), held a mortgage on the Property as security for a promissory note Terrell had signed. The mortgage required Terrell to maintain hazard insurance, and the mortgage payments included premiums for the insurance. Robinson was not a signatory to the note or the mortgage, but she was the transfer-on-death beneficiary of the Property. Terrell’s sole income was government disability benefits. In 2015, she was hospitalized and fell behind on her mortgage payments. Nationstar notified her that it was considering foreclosure. In November 2015, Terrell asked Nationstar for a reasonable accommodation under the FHA. In February 2016, Nationstar filed a foreclosure action against Terrell and Robinson. Terrell counterclaimed for breach of contract and failure to accommodate under Oklahoma’s fair housing laws, alleging Nationstar had made no effort at accommodation. Nationstar prevailed in the foreclosure action and on Terrell’s counterclaims. But in April 2018, while the case was on appeal, Terrell and Nationstar entered into a loan-modification agreement, which resulted in an increased balance and interest rate effective July 1, 2018. The state court vacated its foreclosure judgment but left in place its denial of Terrell’s counterclaims. Also in April 2018, Nationstar informed Terrell’s insurer, American Farmers & Ranchers Mutual Insurance Company (“AFR”), that “base