No. 13-1133.

771 F.3d 1242 (2014)

SECURITY SERVICE FCU (Federal Credit Union), Plaintiff-Counterclaim-Defendant-Appellant, v. FIRST AMERICAN MORTGAGE FUNDING, LLC, Defendant-Third Party Plaintiff-Cross-Claimant-Counterclaimant-Appellee, Kevin B. Jordan; Construction Disbursement Services, Inc.; First American Mortgage, Inc.; William Douglas Depuy; Jeffrey Jordan; Shaun Jordan; Mark Campbell, Defendants-Cross-Claimants-Counterclaimants-Appellees, Stewart Title of California, Inc.; Lawyers Title Company; Orange Coast Title Company, Defendants-Third-Party-Defendants-Appellees, Terry Anderson; Linda Anderson; Brian L. Barker; Sharlene P. Bentley; Gerald Carleo; Sharon Carleo; Gloria Dixon; Robin Freestone; Margaret Freestone; Shiloh Griffiths; Donald Grubb; Sharon Grubb; David P. Guzy; Terrance Hafler; Donna Hafler; Russell E. Hardiman; Charles Hess; Barbara Hess; Kenneth Ingram; Simon Kroon; Joanna Kroon; John Laing; Susan Laing; Tracy Larsen; Thomas Mitchell; Louise Hayden; Aka Louise Mitchell; Denny Nelson; Peter Paso; Julie Paso; James Phillips; Joann Phillips; Doug Ranglack; Louis Sassali; Joann Margulies Smith-Suggs; Sheliah A. Williams; Benjamin B. Wong; Pua'ala Wong, Third-Party-Defendants, and New Century Builders, Inc.; Kenneth E. North; Paradise View Ranch Mirage, LLC; Gilger Homes, LLC, Kirk Gilger; Sundance Mortgage; The Artisan Group, LLC, dba, Artisan Development Group; Ehline Co., Defendants-Cross-Claim Defendants. National Credit Union Administration, as liquidating agent for New Horizons Community Credit Union, Amicus Curiae.

United States Court of Appeals, Tenth Circuit.

November 4, 2014.

Attorney(s) appearing for the Case

Austin D. Garner , Garner Law Office, Petaluma, CA ( Henry A. Cirillo and Rachel M. Dollar of Smith, Dollar, PC, Santa Rosa, CA, with him on the briefs), for the Plaintiff-Appellant.

Alan D. Sweetbaum , Sweetbaum, Sands, Anderson, P.C., Denver, CO, and Jeffrey M. Lippa, Greenberg Traurig, LLP, Denver, CO ( Joshua D. McMahon of Sweetbaum, Sands, Anderson, P.C., Denver, CO, and William Depuy , Denver, CO, with them on the brief), for the Appellees.

Donald D. Allen and Devi C. Yorty of Markus, Williams, Young & Zimmermann, LLC, Denver, CO; John K. Ianno , Associate General Counsel, National Credit Union Administration, Alexandria, VA; and Robert Roach , Senior Trial Attorney, Asset Management and Assistance Center, National Credit Union Administration, Austin, TX, filed a brief for Amicus Curiae.

Before KELLY, BACHARACH, and PHILLIPS, Circuit Judges.

KELLY, Circuit Judge.

Plaintiff-Appellant, Security Service Federal Credit Union ("SSFCU"), appeals from the district court's summary judgment in favor of Defendants-Appellees, including First American Mortgage Funding, LLC ("FAM") and First American Mortgage, Inc., (together, the "FAM Defendants"); and Stewart Title of California, Inc., Orange Coast Title Company of Southern California, and Lawyers Title Company (together, the "Closing Agents"). 11 Aplt.App. 3003...


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