Final Order Revoking Mortgage Broker and Loan Originator Licenses for Vista Capital Services Inc. and Xiomara Aurora Medina

Index: OFR 2026 - 366
ST ATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
VISTA CAPITAL SERVICES INC., and
XIOMARA AURORA MEDINA,
Respondents.
FINAL ORDER
/16/2026
LEG~L
Case Number: 135734
The State of Florida, Office of Financial Regulation ("Office"), being authorized and directed to administer and enforce chapter 494, Florida Statutes, hereby enters this Final Order with Notice of Rights ("Final Order") as authorized by the provisions of chapters 120 and 494, Florida Statutes, against VISTA CAPITAL SERVICES INC., and XIOMARA AURORA MEDINA ("Respondents"). FINDINGS OF FACT

1. The Office has jurisdiction over the subject matter of this case and the parties hereto.

2. At all times material, Vista Capital Services Inc., is and has been licensed in Florida
   as a mortgage broker, having been issued license number MBR7203, pursuant to chapter 494, Florida Statutes.

3. At a11 times material, Xiomara Aurora Medina has been licensed with the Office as
   a loan originator, having been issued license number L053610.

4. On October 27, 2025, the Offic.e entered a Final Order against Respondents in case
   number 130046 which imposed an administrative fine of $3,500.00 and required payment within 30 days of the Final Order (i.e., November 26, 2025). To date, Respondents have not paid this administrative fine.

5. On June 2, 2026, the Office issued an Amended Administrative Complaint
   ("Complaint") (Exhibit A) seeking license revocation.

6. The Complaint contained a Notice of Rights, which fully advised Respondents that
   they had twenty-one (21) days after the receipt of the Complaint within which to petition the Office for an administrative hearing to contest the allegation set forth in the Complaint, in accordance with sections 120.59 and 120.57, Florida Statutes, including the following information:
   TO PRESERVE THE RIGHT TO A HEARING, A WRITTEN
   RESPONSE MUST BE FILED WITH THE OFFICE OF
   FINANCIAL REGULATION WITHIN TWENTY-ONE (21)
   DAYS AFTER THE RECEIPT OF THE ADMJNISTRA TIVE
   COMPLAINT. SAID RESPONSE MUST BE RECEIVED BY
   THE OFFICE NO LATER THAN 5:00 P.M. ON THE TWENTY￾FIRST DAY AFTER THE RECEIPT OF THE ADMINISTRATIVE COMPLAINT. A FAILURE TO TIMELY RESPOND IN WRITING WILL CONSTITUTE A WA IVER OF THE LICENSEE'S RIGHT TO REQUEST A HEARING AND A FINAL ORDER MAY BE ENTERED WITHOUT FURTHER NOTICE.

7. Respondents were served the Complaint via U.S. Certified Mail on June 5, 2026,
   (Exhibit B). As such, a response was due no later than Friday, June 26, 2026. To date, the Office has neither received a written response to the Complaint nor have Respondents made a claim of equitable tolling.

8. The Findings of Fact alleged in the Complaint are hereby incorporated by reference
   and adopted as Findings of Fact in this Final Order.
   CONCLUSIONS OF LAW

9. Pursuant to sections 494.0011 and 494.0012, Florida Statutes, the Office is charged
   with administering and enforcing the provisions of chapter 494, Florida Statutes, and conducting examinations and investigations to determine whether any provision of chapter 494, Florida Statutes, has been violated. Thereby, the Office has jurisdiction over the subject matter of this case and of the parties hereto. 2

10. Section 120.569(2)(a), Florida Statutes, and Rule 28-106.111 (2), Florida
    Administrative Code, require, among other things, that a response or a petition to an action which affects the substantial interests of a party be filed with the agency within 21 days of receipt of written notice of the action.

11. Section 120.569(2)( c ), Florida Statutes, provides that a petition for hearing shall be
    dismissed if it has been untimely filed (not within 21 days).

12. Pursuant to Rule 28-106.111(4), Florida Administrative Code, the failure of
    Respondents to timely respond to the Complaint constitutes a waiver of Respondents' right to an administrative proceeding.

13. The doctrine of equitable tolling can be applied in administrative cases when a party
    has been misled or lulled into inaction, i.e., has in some extraordinary way, been prevented from asserting his rights, or has timely asserted his rights in the wrong forum. Machules, v. Department of Admin., 523 So. 2d 1132 (Florida 1988).

14. Without any evidence of equitable tolling, it is appropriate for the Office to conclude
    there was none. Patz v. Dept. of Health, 864 So.2d 79, 80 (Fla. 3d DCA 2003).

15. When Respondents failed to submit a response to the Office on or before
    June 26, 2026, Respondents did not timely file a petition or any other document in response to the Complaint. Respondents also presented no claim, or evidence of equitable tolling. Therefore, it is appropriate for the Office to conclude there was no equitable tolling and Respondents waived their right to an administrative proceeding.

16. Based on the Findings of Fact adopted herein, the Office concludes that Respondents
    violated the specific statutes and rules charged in the Complaint and, as such, the specific charges in the Complaint are adopted in this Final Order as Conclusions of Law.

17. The Findings of Fact and Conclusions of Law that form the basis for the Complaint,
    together with the waiver of a hearing by Respondents, constitute grounds for the Office to revoke 3

Respondents' VISTA CAPITAL SERVICES INC., mortgage broker license, MBR7203 and XIOMARA AURORA MEDINA loan originator license, LO53610. Based on the foregoing Findings of Fact and Conclusions of Law, it is hereby ORDERED:
A. VISTA CAPITAL SERVICES INC., mortgage broker license, MBR7203 and XIOMARA AURORA MEDINA loan originator license, LO53610, are hereby REVOKED effective the date of this Final Order. DONE and ORDERED this l '.µ._ day of July, 2026, in Tallahassee, Leon County, Florida. Commissioner 4

NOTICE OF RIGHTS
A PARTY WHO IS ADVERSELY AFFECTED BY THIS FINAL ORDER IS ENTITLED TO nJDICIAL REVIEW PURSUANT TO SECTION 120.68, FLORIDA STATUTES. REVIEW PROCEEDINGS ARE GOVERNED BY THE FLORIDA RULES OF APPELLATE PROCEDURE. SUCH PROCEEDINGS ARE COMMENCED BY FILING THE ORIGINAL NOTICE OF APPEAL WITH THE AGENCY CLERK FOR THE OFFICE OF FINANCIAL REGULATION AS FOLLOWS:
By Mail, Facsimile or Email
Agency Clerk
Office of Financial Regulation
Office of General Counsel
P.O. Box 8050
Tallahassee, FL 32314-8050
Phone: (850) 410-9889
Fax: (850) 410-9663
Email: Agency.Clerk@flofr.gov
OR By Hand Deliverv
Agency Clerk
Office of Financial Regulation
Office of General Counsel
The Fletcher Building
IO 1 East Gaines Street
Tallahassee, FL 32399
Phone: (850) 410-9889
A COPY OF THE NOTICE OF APPEAL, ACCOMPANIED BY THE FILING FEES AS REQUIRED BY LAW, MUST ALSO BE FILED WITH THE DISTRICT COURT OF APPEAL, FIRST DISTRICT, 2000 DRAYTON DRIVE, TALLAHASSEE, FLORIDA 32399-0950, OR WITH THE DISTRICT COURT OF APPEAL IN THE APPELLATE DISTRICT WHERE THE PARTY RESIDES. THE NOTICE OF APPEAL MUST BE FILED WITH BOTH THE AGENCY CLERK FOR THE OFFICE OF FINANCIAL REGULATION AND THE DISTRICT COURT OF APPEAL WITHIN 30 DAYS OF THE RENDITION OF THE ORDER TO BE REVIEWED. 5

CERTIFICATE OF SERVICE
I HEREBY CERTIFY that a true and correct copy of the foregoing Final Order was furnished via U.S. Mail to Vista Capital Services Inc., and Xiomara Aurora Medina at 2623 Grant Street IA, Hollywood, Florida 33020, and Registered Agent, Zenbusiness Inc., at 336 E. College Avenue, Suite 301, Tallahassee, Florida 32301 on this J.6...{~ of July, 2026. 6 lation IC Talla as e, -8050 Email: Agency.Clerk@flofr.gov Tel: (850) 410-9889

Exhibit A
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
VISTA CAPITAL SERVICES INC., and
XIOMARA AURORA MEDINA,
Case Number: 135734
Respondents.
AMENDED ADMINISTRATIVE COMPLAINT
The State of Florida, Office of Financial Regulation, ("Office") files this Amended Administrative Complaint against VISTA CAPITAL SERVICES INC., and XIOMARA AURORA MEDINA, (together as "Respondents") alleging:
GENERAL ALLEGATIONS

1. Pursuant to section 494.0011 (l ), Florida Statutes, the Office is charged with administering
   and enforcing the provisions of chapter 494, Florida Statutes.

2. Pursuant to section 494.00255(1 )(u), Florida Statutes, failure to comply with any provision
   of chapter 494, Florida Statutes, or the rules promulgated thereunder constitutes grounds for disciplinary action.

3. Pursuant to section 494.001(23), Florida Statutes, a "mortgage broker" means a person
   conducting loan originator activities through one or more licensed Joan originators employed by the mortgage broker or as independent contractors to the mortgage broker.

4. Pursuant to section 494.001(30), Florida Statutes, a "principal loan originator., is the
   licensed loan originator in charge of, and responsible for, the operation of a mortgage broker.

5. Vista Capital Services Inc., ("Vista Capital Services") has been licensed with the Office as
   a mortgage broker (license no. MBR7203) since July 5, 2022.

6. Xiomara Aurora Medina ("Medina") has been licensed with the Office as a loan originator
   (license no. LO53610) since May 22, 2018.

7. Medina is the designated principal loan originator and sole owner of Vista Capital Services.

8. As such, pursuant to section 494.001(30), Florida Statutes, Medina is responsible for the
   daily operations of Vista Capital Services.

9. Pursuant to section 494.00255(1 )(x), Florida Statutes, failure to timely pay any fee, charge,
   or fine imposed or assessed pursuant to this chapter or related rules constitutes grounds for disciplinary action.

10. On October 27, 2025, the Office entered a Final Order against Vista Capital Services and
    Medina, in Case No. 130046 for violations of chapter 494, Florida Statutes. In the Final Order entered by the Office against Respondents on October 27, 2025, Respondents were ordered to pay an administrative fine of $3,500.00 within 30 days (i.e. by November 26, 2025).

11. The administrative fine was not received by the Office within thirty (30) days, as required
    by the Final Order (130046).

12. Respondents have failed to pay the fine assessed by the Office within 30 days after the due
    date as stated in the Final Order, in violation of section 494.00255(l)(x), Florida Statutes.

13. Pursuant to the Disciplinary Guidelines for Mortgage Loan Originators and Mortgage
    Entities Fonn OFR-494-14, Incorporated by Reference in Rule 69V-40.111, Florida Administrative Code (2024), violation number 40, the Office may impose a fine of $1,000 up to $3,500 and suspend a license up to 90 days or revoke a license for a violation of section 494.00255(l)(x), Florida Statutes.

14. Therefore, the Office is seeking a revocation of both Vista Capital Services Inc., mortgage
    2

broker license, MBR7203 and Xiomara Aurora Medina's loan originator license, LO53610. WHEREFORE, Respondents, Vista Capital Services Inc., and Xiomara Aurora Medina, are hereby notified that the Office intends to enter an Order imposing a REVOCATION of Vista Capital Services Tnc., mortgage broker license, MBR7203; and a REVOCATION of Xiomara Aurora Medina's loan originator license, LO53610. [this space intentionally left blank] 3

NOTICE OF RIGHTS
The licensee is entitled to be represented by counsel or another qualified representative. The licensee also has the right to request a hearing pursuant to sections 120.569 and 120.57, Florida Statutes. Such request must comply with Rules 28-106.2015 and 28-106.104, Florida Administrative Code. An Election of Proceeding form is attached for your convenience. Any such request must be filed as follows:
By Mail or E-Mail
Agency Clerk
Office of Financial Regulation
Office of Genera] Counsel
P.O. Box 8050
Tallahassee, FL 32314-8050
Phone: (850) 410-9889
Fax: (850) 410-9663
Email: Agency.Clerk@flofr.gov
OR By Hand Delivep1
Agency Clerk
Office of Financial Regulation
Office of General Counsel
The Fletcher Building, Suite 504
IO I East Gaines Street
Tallahassee, FL 32399
Phone:(850)410-9889
TO PRESERVE THE RIGHT TO A HEARING, A WRITTEN RESPONSE MUST BE FILED WITH THE OFFICE OF FINANCIAL REGULATION WITHIN TWENTY-ONE (21) DAYS AFTER THE RECEIPT OF THE ADMINISTRATIVE COMPLAINT. SAID RESPONSE MUST BE RECEIVED BY THE OFFICE NO LATER THAN 5:00 P.M. ON THE TWENTY-FIRST DAY AFTER THE RECEIPT OF THE ADMINISTRATIVE COMPLAINT. A FAILURE TO TIMELY RESPOND IN WRITING WILL CONSTITUTE AW AIVER OF THE LICENSEE'S RIGHT TO REQUEST A HEARING AND A FINAL ORDER MAY BE ENTERED WITHOUT FURTHER NOTICE. You may not make an oral request for an administrative hearing. With regard to a written request, if you fail to follow the outlined procedure, your request may be dismissed. Any request for an administrative proceeding received prior to the date of this notice is deemed abandoned and to be considered, must be timely renewed in compliance with the procedure set forth above. Mediation of this matter pursuant to section 120.573, Florida Statutes, is not available. 4

NOTICE TO RESPONDENTS
In accordance with the Americans with Disabilities Act, persons with disabilities needing special accommodation to participate in this proceeding should contact the Agency Clerk no later than seven (7) days prior to the filing deadline or proceeding, at the Office of Financial Regulation, The Fletcher Building, Suite 118, 101 East Gaines Street, Tallahassee, Florida 32399-0379, Phone: (850) 410-9889, or by Email.-agency.clerk@flofr.gov. By: C@.,t --5. ~ ,-- Carrie S. Fr~:) Chief Counsel Office of Financial Regulation Fla. Bar No. 0659274 200 E. Gaines Street Tallahassee, FL 32399 Phone: (850) 410-9834 carrie.franz@flofr.gov 5

CERTIFICATE OF SERVICE
I HEREBY CERTIFY that a true and correct copy of the foregoing Administrative Complaint has been sent to Vista Capital Services Inc., and Xiomara Aurora Medina via U.S. Certified Mail to:
2623 Grant Street lA, Hollywood, Florida 33020; and to the registered agent: Zenbusiness Inc., at 336 East College Avenue, Suite 301, Tallahassee, Florida 32301, on this ~ -n,4 day of June, 2026. 9489 D9 □ D27 662 □ 8124 18 Carrie S. Franz U 6

Case No: 135734
Vista Capital Services Inc.
Xiomara Aurora Medina
2623 Grant Street lA
Hollywood, Florida 33020
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
ELECTION OF PROCEEDING
I have received and read the Amended Administrative Complaint, including the Notice of Rights, filed by the Office of Financial Regulation ("Office"} regarding the above-referenced Respondent, and I am requesting disposition as indicated below. PLEASE SELECT ONLY ONE OF THE OPTIONS:
OPTION #1: 0 I do not request a hearing in this matter. I do not dispute any of the Office's factual allegations and conclusions of law as stated in the Amended Administrative Complaint. I understand that upon my waiving the right to a hearing, the Office may enter a final order ado In the findin of fact and conclusions of law in the Amended Administrative Complaint. and Imposing the penalties sought in the Administrative Complaint. OPTION #2: D I do not dispute any of the Office's factual allegations but dispute the Office's conclusions of law to those factual allegations, and request disposition of this matter by informal hearing pursuant to section 120.57(2), Florida Statutes. I request to (CHECK ONLY Qitt OF THE FOLLOWING 2 OPTIONS):
a. 0 Attend a hearing by video teleconference before a Hearing Officer appointed by the Office; OR b. 0 Submit a written statement with supporting documentation to a Hearing Officer appointed by the Office. OPTION #3: 0 I do dispute one or more of the Office's factual allegations. I request a formal hearing before the Division of Administrative Hearings {DOAH) pursuant to section 120.57(1), Florida Statutes. In accordance with Rule 28-106.2015(5)(c), FAC, I am attaching a copy of the material facts that I dispute. TO PRESERVE YOUR RIGHT TO A HEARING, A RESPONSE MUST BE FILED WITH THE OFFICE OF FINANOAL REGULATION AGENCY CLERK NO LATER THAN 5:00 P.M. ON OR BEFORE THE TWENTY-FIRST DAY AFTER RECEIPT OF THE ADMINISTRATIVE COMPLAINT, BY ANY OF THE FOLLOWING METHODS:

1. By email: Agency.Clerk@flofr.gov; or
2. By U.S. Mail: P.O. Box 8050, Tallahassee, Florida 32314-8050; or
3. By hand delivery: Office of General Counsel, Suite 504, Fletcher Bldg., 101 E. Gaines Street, Tallahassee, FL 32399.
   Signature of Respondent or Mailing Address
   Authorized Representative of Respondent
   Printed Name & Title City State Zip
   Date E-mail Address Telephone Number
   Form: OFR-GC-13 (rev. 1/28/2026)
   Pagelof2

Case No: 135734
Vista Capital Services Inc.
Xiomara Aurora Medina
2623 Grant Street lA
Hollywood, Florida 33020
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
**YOU ARE TO COMPLETE THE FOLLOWING ONLY IF YOU HAVE CHECKED OPTION #3 ON THE PRECEDING PAGE. If you need more space, you may provide additional pages. As Respondent or the authorized representative of Respondent, I am disputing the following material facts:
Signature of Respondent or Authorized Representative Form: OFR-GC-13 (rev. 1/28/2026)
Page 2 of 2
Date

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June 08, 2026
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