SACRAMENTO, Calif. - A federal judge in California on Dec. 11 refused to certify a class for nationwide borrowers and subclasses for California and New York consumers over SunTrust Mortgage Inc.'s purchase of force-placed hazard and flood insurance policies, finding that calculating the replacement value of each class member's homes was an individual issue that predominated over classwide issues (Shelia Gooden, et al. v. SunTrust Mortgage Inc., No. 11-cv-02595-JAM-DAD, E.D. Calif.; 2013 U.S. Dist. LEXIS 173511).