Luminate Home Loans, Inc. v. Better Mortgage Co., et al.

CourtDistrict Court, S.D. California
DecidedMarch 26, 2026
Docket3:24-cv-02251
StatusUnknown

This text of Luminate Home Loans, Inc. v. Better Mortgage Co., et al. (Luminate Home Loans, Inc. v. Better Mortgage Co., et al.) is published on Counsel Stack Legal Research, covering District Court, S.D. California primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Luminate Home Loans, Inc. v. Better Mortgage Co., et al., (S.D. Cal. 2026).

Opinion

1 2 3 4 5 6 7 8 UNITED STATES DISTRICT COURT 9 SOUTHERN DISTRICT OF CALIFORNIA 10 11 LUMINATE HOME LOANS, INC., Case No. 24-cv-02251-BAS-MSB

12 Plaintiff, ORDER GRANTING IN PART, 13 v. DENYING IN PART COUNTERCLAIM DEFENDANT’S 14 BETTER MORTGAGE CO., et. al, MOTION TO DISMISS AND STRIKE 15 Defendants. COUNTERCLAIMS OF SYDNEY LYNN (ECF No. 100) 16 SYDNEY LYNN, 17 Counterclaimants, 18 v. 19 LUMINATE HOME LOANS, INC., 20 Counterclaim Defendants. 21 22 Pending before the Court is a motion to dismiss (ECF No. 100) submitted by Luminate 23 Home Loans, Inc. (“LHL”), Luminate Bank (together with LHL, “Luminate”), Nate Raich 24 (“Raich”), and Taryn Reuter (“Reuter”) (collectively, “Counter-Defendants”) and to strike 25 counterclaims submitted by Counter-Plaintiff Sydney Lynn (“Lynn”). (ECF No. 100.) 26 For the reasons below, the Court GRANTS IN PART and DENIES IN PART 27 Counter-Defendants’ motion to dismiss all counterclaims and motion to strike two 28 counterclaims. (ECF No. 100.) 1 I. BACKGROUND 2 LHL is a mortgage loan lender owned by Luminate Bank. (ECF No. 85 ¶ 22.) In 3 2022, Luminate acquired a mortgage division known as NEO Home Loans (“NEO”) from 4 a competitor, Celebrity Home Loans LLC (“Celebrity”). (Id. ¶¶ 2, 18.) In mid- to late 5 2024, Luminate employees working at NEO began discussions with Better Mortgage Co. 6 (“Better”) about possibly transferring to Better. (Id. ¶¶ 38–55.) Reuter was allegedly aware 7 of the possible transition to Better by July 2024. (Id. ¶ 39.) 8 In October 2024, Luminate began terminating senior NEO employees involved in 9 conversations to transfer NEO to Better. (Id. ¶ 40.) Prior to the termination of her own 10 employment in December 2025, Reuter allegedly tasked Lynn with the transfer of NEO 11 documents, such as accounting records and loan files, to Better. (Id. ¶¶ 44, 50.) The 12 transfer of documents allegedly required Lynn to communicate and share records with 13 former Luminate employees who were then employed by Better—which she did over 14 Zoom virtual meetings and telephone calls. (Id. ¶¶ 45, 61–68.) 15 Shortly after Lynn’s termination, Counter-Defendants brought a lawsuit against 16 Lynn in Nevada federal court, in part, for misappropriation of trade secrets and other 17 proprietary information. (Id. ¶ 53.) Counter-Defendants then transferred the lawsuit 18 against Lynn from Nevada to its action against other former Luminate employees in this 19 Court. (ECF No. 72.) 20 In the present action, Lynn filed counterclaims against Counter-Defendants for the 21 following causes of action (ECF No. 85): 22 1. Count I: Failure to Timely Pay All Wages Due and Owing Upon Termination 23 (N.R.S. § 608.020) (Against all Counter-Defendants) (id. ¶¶ 58–66); 24 2. Count II: Failure to Reimburse Expenses and Losses (Cal. Lab. Code §2802) 25 (Against all Counter-Defendants) (id. ¶¶ 67–74); 26 3. Count III: Defamation (Against all Counter-Defendants) (id. ¶¶ 75–82); 27 4. Count IV: Tortious Interference with Prospective Economic Advantage (Against 28 all Counter-Defendants) (id. ¶¶ 83–88); 1 5. Count V: Fraudulent Misrepresentation (Against Luminate and Reuter) (id. ¶¶ 2 89–99); 3 6. Count VI: Violation of Nevada Revised Statutes §§ 200.620, 200.630, and 4 200.650 (Against Luminate) (id. ¶¶ 100–109); and 5 7. Count VII: Punitive Damages (id. ¶¶ 110–116). 6 Counter-Defendants moved to dismiss Lynn’s claims on all counts and to strike 7 Counts III and IV based on anti-SLAPP legislation. (ECF No. 100.) Lynn filed an 8 opposition. (ECF No. 107.) Counter-Defendants then filed a reply. (ECF No. 113). 9 The Court finds it appropriate to rule on this Motion (ECF No. 100) on the papers 10 and without oral argument. See S.D. Cal. CivLR 7.1.d.1. 11 II. LEGAL STANDARD 12 Federal Rule of Civil Procedure 12(b)(6) allows a party to move to dismiss based on 13 the legal sufficiency of the claims asserted in the complaint. Navarro v. Block, 250 F.3d 14 729, 732 (9th Cir. 2001). The court must accept all factual allegations pleaded in the 15 complaint as true and draw all reasonable inferences from them in favor of the nonmoving 16 party. Cahill v. Liberty Mut. Ins. Co., 80 F.3d 336, 337–38 (9th Cir. 1996). To avoid a 17 Rule 12(b)(6) dismissal, a complaint need not contain detailed factual allegations; rather, 18 it must plead “enough facts to state a claim to relief that is plausible on its face.” Bell Atl. 19 Corp. v. Twombly, 550 U.S. 544, 570 (2007). “A claim has facial plausibility when the 20 plaintiff pleads factual content that allows the court to draw the reasonable inference that 21 the defendant is liable for the misconduct alleged.” Ashcroft v. Iqbal, 556 U.S. 662, 678 22 (2009) (citing Twombly, 550 U.S. at 556). “Where a complaint pleads facts that are ‘merely 23 consistent with’ a defendant's liability, it ‘stops short of the line between possibility and 24 plausibility of entitlement to relief.’” Id. (quoting Twombly, 550 U.S. at 557). 25 III. ANALYSIS 26 A. Rule 8(a)(2) Pleading Requirements for Suing Multiple Defendants 27 “A plaintiff suing multiple defendants ‘must allege the basis of his claim against 28 each defendant to satisfy Federal Rule of Civil Procedure 8(a)(2)[.]’ ” Flores v. EMC 1 Mortg. Co., 997 F. Supp. 2d 1088, 1103 (E.D. Cal. 2014) (quoting Gauvin v. Trombatore, 2 682 F. Supp. 1067, 1071 (N.D. Cal. 1988)). A complaint “must identify what action each 3 Defendant took that caused Plaintiffs' harm, without resort to generalized allegations 4 against Defendants as a whole.” In re iPhone Application Litig., No. 11-MD-02250-LHK, 5 2011 WL 4403963, at *8 (N.D. Cal. Sept. 20, 2011). “[A] plaintiff's allegations must 6 ‘provide sufficient notice to all of the Defendants as to the nature of the claims being 7 asserted against them,’ including ‘what conduct is at issue.’ ” Sebastian Brown 8 Productions, LLC v. Muzooka, Inc., 143 F. Supp. 3d 1026, 1037 (N.D. Cal. 2015) (quoting 9 Villalpando v. Exel Direct Inc., No. 12-CV-04137 JCS, 2014 WL 1338297, at *5 (N.D. 10 Cal. Mar. 28, 2014)). 11 Here, Counter-Defendants argue that all of Lynn’s counterclaims fail because they 12 impermissibly group all Counter-Defendants together “without identifying what alleged 13 conduct is attributable to whom,” thereby failing to satisfy the notice requirement of Rule 14 8(a)(2). (ECF No. 100-1 at 20:11-12.) Lynn counters by providing examples of where 15 Lynn had identified Reuter’s and Raich’s individual conduct as the basis for its 16 counterclaims. (ECF No. 107 at 16:7–17:19.) 17 Even if Lynn did not attribute every single act underlying its counterclaims to a 18 specific Counter-Defendant, the Court finds that Lynn’s complaint does provide all 19 Counter-Defendants with sufficient notice as to the claims asserted against them. See e.g., 20 Sebastian Brown Productions, LLC v. Muzooka, Inc., 143 F. Supp. 3d 1026, 1042 (N.D. 21 Cal. 2015) (finding all defendants—including a corporation and its officers—had sufficient 22 notice because plaintiff's complaint asserted that all defendants committed trademark 23 infringement); see also Whitehead v. Pacifica Senior Living Mgmt. LLC, No. 18-CV- 24 01767-JSW, 2019 WL 13117458, at *3 (N.D. Cal. Jan. 3, 2019) (finding defendants were 25 on sufficient notice because plaintiff’s complaint asserted all defendants are severally liable 26 for the same alleged violations).

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Luminate Home Loans, Inc. v. Better Mortgage Co., et al., Counsel Stack Legal Research, https://law.counselstack.com/opinion/luminate-home-loans-inc-v-better-mortgage-co-et-al-casd-2026.