
The signature problem here is iron chlorosis on high-pH ground — leaves yellowing between still-green veins, worst in the upper crown, on trees planted into limestone gravel, concrete washout or alkaline builder fill. That is soil chemistry, not death; a genuinely declining swamp white oak shows twig dieback starting at the branch tips that is still dead the following spring, plus visibly shortened annual shoot extension.
Swamp white oak is the oak that actually works on a new central Indiana subdivision lot — it tolerates heavy compacted clay and the high water table left where topsoil was stripped, conditions that suffocate most large shade trees. It is the standard pin oak substitute, planted for exactly that reason, and was named Urban Tree of the Year in 1998.