Thomas Johnson v. SN Servicing Corporation and U.S. Bank Trust National Association, as trustee for LB-Ranch Series V Trust

IN THE UNITED STATES DISTRICT COURT FOR THE MIDDLE DISTRICT OF NORTH CAROLINA THOMAS JOHNSON, ) ) Plaintiff, ) ) v. ) 1:25-CV-232 ) SN SERVICING CORPORATION ) and U.S. BANK TRUST NATIONAL ) ASSOCIATION, as trustee for LB- ) Ranch Series V Trust ) ) Defendants. ) MEMORANDUM OPINION AND ORDER Catherine C. Eagles, Chief District Judge. Thomas Johnson entered into a mortgage loan agreement to finance the purchase of his home in 2016. In 2022, he and the loan servicer, acting on behalf of the lender, agreed to a loan modification. For reasons not apparent on the record, the mortgage holder…