PRASAD

I. BACKGROUND

A. Loan Origination Plaintiffs purchased the property located at 2300 Evergreen Drive, San Bruno, CA 94066 (the “Property”), in 2021. (Dkt. No. 26-3 (“Prasad TRO Decl.”) ¶ 1 & Ex. A.) In early 2023, Plaintiffs began looking to refinance their second position mortgage on the Property. (Id. ¶ 2.) Plaintiffs submitted a loan application, which identified the Property as their primary residence, to Main Street Mortgage, but “that refinance[] did not pan out.” (Id. ¶ 3, Ex. A.) The next month, Mr. Prasad contacted Defendants about refinancing. (Id. ¶ 4.) Sridhar Capital is a commercial lender, which does not make consumer loans. (Dkt. No. 29-2 (“Sridhar Decl.”) ¶ 1.) The parties dispute what and how information was exchanged during the loan application process, but ultimately, both sides proceeded with the loan. (See Prasad TRO Decl.; Dkt. No. 29-3 (“Bodien Decl.”); Dkt. No. 35-1 (“Prasad PI Decl.”); Dkt. No. 38 (“Bodien Supp. Decl.”).) On March 31, 2024, Bodien sent an email to Sue Jamieson, a loan processor and alleged agent of CJ Investment, introducing her to Mr. Prasad: Sue, Please meet Ricky Prasad, the primary Borrower on 2300 Evergreen, San Bruno.…