Ramos v. Ranlife Home Loans

CourtDistrict Court, D. Utah
DecidedMarch 31, 2025
Docket2:20-cv-00896
StatusUnknown

This text of Ramos v. Ranlife Home Loans (Ramos v. Ranlife Home Loans) is published on Counsel Stack Legal Research, covering District Court, D. Utah primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Ramos v. Ranlife Home Loans, (D. Utah 2025).

Opinion

IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF UTAH

NICHOLAS LEANDRO RAMOS and MICHELLE MEMORANDUM DECISION AND ORDER REED, GRANTING DEFENDANTS’ MOTION FOR Plaintiffs, SUMMARY JUDGMENT

vs. Case No. 2:20CV00896 DAK-DBP RANLIFE HOME LOANS, and RANLIFE, INC., Judge Dale A. Kimball Defendants. Magistrate Judge Dustin B. Pead

This matter is before the court on Defendants RANLife Home Loans and RANLife, Inc.’s (“RANLife”) Motion for Summary Judgment.1 The court held oral argument on January 23, 2025. At the hearing, Matt W. Harrison represented RANLife, and James L. Harris represented Plaintiffs Nicholas Leandro Ramos (“Mr. Ramos”) and Michelle Reed (“Ms. Reed”). At the conclusion of the hearing, the court took the matter under advisement. Now being fully informed, the court issues the following Memorandum Decision and Order, granting RANLife’s Motion for Summary Judgment. BACKGROUND Plaintiffs’ Complaint alleges that they were subjected to hostile work environments based on their gender, religion, and on Mr. Ramos’s sexual orientation. They also allege that RANLife discriminated against them based on their gender and religion, and they had no choice

1 ECF No. 39. but to resign their employment. RANLife disputes these claims and argues that both claims fail for a variety of reasons. UNDISPUTED FACTS RANLife is a mortgage company and residential lender located in Sandy, Utah. John Brown held the position of Training Department Manager and had responsibility for the

interviewing, hiring, and initial training of new loan officer employees. He supervised loan officers who were either Level 1 Grant Coordinators or Level 2 Loan Officer Assistants. Mr. Brown was both Mr. Ramos’s and Ms. Reed’s manager while they were at Level 1 and Level 2. Once a loan officer reaches Level 3, they are assigned to a team. Paul Greager became a Loan Officer at RANLife Home Loans in 2014. In or around September 2017, Mr. Greager received a promotion from the position of Senior Loan Officer to

Training Manager. As a Loan Officer Manager, Mr. Greager did not have the authority to hire or fire employees, reassign them, substantially change their duties, or otherwise significantly affect the terms and conditions of their employment. Mr. Ramos and Ms. Reed were assigned to Mr. Greager’s team once they became a Level 3 loan officer. RANLife’s Policies RANLife’s Human Resources Lead during Plaintiffs’ employment, Shanna Paxton, had

responsibility for providing training on sexual harassment, discrimination, and other RANLife policies. Ms. Paxton provided orientation to new employees during which she would explain RANLife’s sexual harassment and discrimination policies, including that RANLife had a no- tolerance policy, how to report a complaint, and that RANLife would investigate all reports of harassment and discrimination. RANLife also regularly provided third-party sexual harassment and discrimination training to its current employees, including training provided to employees on April 17, 2018, which both Mr. Ramos and Ms. Reed attended. RANLife’s discrimination policy explicitly prohibits any illegal harassment or retaliation, and contains the following language: No Harassment

We prohibit harassment of one employee by another employee, supervisor, manager or third party for any reason based upon an individual's race, color, religion, genetic information, national origin, sex (including same sex), pregnancy, childbirth, or related medical conditions, age, disability or handicap, citizenship status, service member status, or any other category protected under federal, state, or local law. Violation of this policy will result disciplinary action, up to and including immediate discharge. If you have any questions about what constitutes harassing behavior or what conduct is prohibited by this policy, please discuss the questions with your immediate supervisor, manager or one of the contacts listed in this policy. At a minimum, the term "harassment" as used in this policy includes any of the following activities pertaining to an individual's race, color, religion, genetic information, national origin, sex (including same sex), pregnancy, childbirth, or related medical conditions, age, disability or handicap, citizenship status, service member status, or any other category protected by federal, state, or local law: - Offensive remarks, comments, jokes, slurs, threats, or verbal conduct. - Offensive pictures, drawings, photographs, figurines, writings, or other graphic images, conduct, or communications, including text messages, instant messages, websites, voicemails, social media postings, e-mails, faxes and copies. - Offensive sexual remarks, sexual advances, or requests for sexual favors regardless of the gender of the individuals involved; and - Offensive physical conduct, including touching and gestures, regardless of the gender of the individuals involved. We also absolutely prohibit retaliation, which includes: threatening an individual or taking an adverse action against an individual for (1) reporting a possible violation of this policy, or (2) participating in an investigation conducted under this policy. . . . . . If you have any concern that our No Harassment policy may have been violated by anyone, you must immediately report the matter. Due to the very serious nature of harassment, discrimination and retaliation, you must report your concerns to one of the individuals listed below: 1. First, go to your manager. If you are not satisfied after you speak with your manager or if you feel you cannot speak with your manager, discuss you concerns with Shanna Thatcher. 2. Secondly, discuss any concern with Shanna Thatcher, Human Resources Lead at 385-775-7529 and 9272 South 700 East, Sandy, UT 84070. 3. If you are not satisfied after you speak with Shanna Thatcher or if you feel that you cannot speak with Shanna Thatcher, discuss your concerns with Garr Smith, COO at 801-478-4517 and 9272 South 700 East, Sandy, UT 84070. If an employee makes a report to any of these members of management and the manager either does not respond or does not respond in a manner the employee deems satisfactory or consistent with this policy, the employee is required to report this situation to one of the other members of management designated in this policy to receive complaints. You should report any actions that you believe may violate our policy no matter how slight the actions may seem. We will investigate the report and then take prompt, appropriate remedial action. The company will protect the confidentiality of employees reporting suspected violations to the extent possible consistent with our investigation. You will not be penalized or retaliated against for reporting improper conduct, harassment, discrimination, retaliation, or other actions that you believe may violate this policy.2 Neither Mr. Ramos nor Ms. Reed disputes that they received these policies or that they attended at least one training regarding these policies. Plaintiff Nicholas Leandro Ramos Mr. Ramos began as a Level 1 Grant Coordinator on July 5, 2017. Before starting at RANLife, Mr. Ramos did not have any experience as a loan officer, in the mortgage or another loan industry, or any related experience. John Brown was Mr. Ramos’s manager while he was at Level 1 and Level 2. Mr. Ramos became a Level 3 Loan Officer in February 2018 and Paul Greager became his supervisor. 2 RANLife Harassment Policy (emphasis in original), attached as Exhibit D to Defs’ Mot. for Summary Judgment, ECF No. 39-4. Shortly after he became a Level 3 Loan Officer, Mr. Ramos told his previous manager, Mr. Brown, that Mr. Greager had called him an offensive nickname, a “fat, gay Clark Kent.” Mr. Brown wanted Mr. Ramos to immediately report it to RANLife’s human resources department. At Mr. Brown’s urging, Mr. Ramos and Mr.

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