
    In re Christie M. ADEMILUYI, Debtor. Christie M. Ademiluyi, Plaintiff-Appellant, v. Citimortgage, Incorporated; PennyMac Holdings, LLC, f/k/a PennyMac Mortgage Investment Trust Holdings, I LLC, by PennyMac Loan Services, LLC its servicing agent; PennyMac Corp., by PennyMac Loan Services, LLC its servicing agent; PennyMac Loan Services, LLC, Defendants-Appellees, Timothy P. Branigan, Trustee-Appellee.
    No. 15-2296.
    United States Court of Appeals, Fourth Circuit.
    Submitted: March 28, 2016.
    Decided: April 1, 2016.
    April T. Ademiluyi, Law office of April T. Ademiluyi, Bethesda, Maryland, for Appellant. Robert A. Scott, Ballard Spahr LLP, Baltimore, Maryland; John Lucian, Blank Rome LLP, Philadelphia, Pennsylvania, for Appellees.
    Before DUNCAN and WYNN, Circuit Judges, and HAMILTON, Senior Circuit Judge.
   Affirmed by unpublished PER CURIAM opinion.

Unpublished opinions are not binding precedent in this circuit,

PER CURIAM:

Christie M. Ademiluyi appeals from the district court’s orders dismissing her complaint for failure to state a claim, Fed. R.Civ.P. 12(b)(6), because, among other things, she lacked standing to challenge the transfer of her mortgage note. She also appeals from the district court’s order denying her motion for leave to amend her complaint. The court determined that, because she lacked standing, amendment would be futile. We have reviewed the record and the arguments presented on appeal, and we find no reversible error. Accordingly, we affirm substantially for the reasons stated by the district court. Ademiluyi v. Citimortgage, Inc., No. 8:15-cv-00777-JFM (D. Md. Sept. 29, 2015 & Oct. 20, 2015). We dispense with oral argument because the facts and legal contentions are adequately presented in the materials before this court and argument would not aid the decisional process.

AFFIRMED.  