Final Order Imposing Administrative Fine on Home Loan Enterprise, Inc. and Thysy Michael Trinh

Index: STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION In Re: HOME LOAN ENTERPRISE, INC., and, THYSY MICHAEL TRINH, Respondents. FINAL ORDER Case Number: 125383 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 HOME LOAN ENTERPRISE, INC., and THYSY MICHAEL TRINH ("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 to this case, Respondents were and have been licensed in Florida as a mortgage lender with license number MLD2213.

3. The Office conducted an examination (No. 124713) to ascertain Respondents' compliance with chapter 494, Florida Statutes, and found that grounds existed to initiate a legal action. As such, on February 10, 2026, the Office issued an Administrative Complaint ("Complaint") (Exhibit A) seeking an administrative fine of $2,625.00.

4. Respondents were served the Complaint via U.S. Certified Mail on February 13, 2026 (Exhibit B). As such, a response was due no later than Friday, March 6, 2026.

5. 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 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 A WAIVER OF THE LICENSEE'S RIGHT TO REQUEST A HEARING AND A FINAL ORDER MAY BE ENTERED WITHOUT FURTHER NOTICE.

6. To date, the Office has neither received a written response to the Complaint nor have Respondents made a claim of equitable tolling.

7. 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

8. 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.

9. The Findings of Fact herein serve as the basis of the entry of this Final Order against Respondents.

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 2

affects the substantial interests of a party be filed with the agency within 21 days of receipt of written notice of the action. 1 1. 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. 12. 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). 13. 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). 14. Respondents failed to submit a response to the Complaint and failed to present a 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. 15. 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 impose an administrative fine against HOME LOAN ENTERPRISE, INC., and THYSY MICHAEL TRINH. Based on the foregoing Findings of Fact and Conclusions of Law, it is hereby ORDERED: A. Within thirty (30) days of the date of this Final Order, Respondents shall pay an ADMINISTRATIVE FINE of Two Thousand Six Hundred Twenty-Five Dollars ($2,625.00). B. Respondents shall submit the administrative fine in the form of a money order, cashier's check, or wire transfer made payable to the "OFFICE OF FINANCIAL REGULATION." Such payment shall reference Case Number 125383 and shall be sent to the 3

attention of the Agency Clerk, c/o Bianca Lherisson, Post Office Box 8050, Tallahassee, Florida 32314-8050. DONE and ORDERED this 17: day of April, 2026, in Tallahassee, Leon County, Florida. Commissioner 4

NOTICE OF RIGHTS A PARTY WHO IS ADVERSELY AFFECTED BY THIS FINAL ORDER IS ENTITLED TO JUDICIAL REVIEW PURSUANT TO SECTION 120.68, FLORIDA ST A TUTES. 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 Bv Hand Delivery Agency Clerk Office of Financial Regulation Office of General Counsel The Fletcher Building 101 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 has been sent for service via US Certified Mail to Home Loan Enterprise, Inc., and Thysy Michael Trinh, 2855 Michelle Dr, #180, Irvine, California 92606, and Registered agent: Corporation Services Company, 1201 Hays Street, Tallahassee, Florida 32301, and by email thysy.t@hlemortgage.com on this ~ day of April, 2026. 91 7199 9991 7039 5466 1722 91 7199 9991 7039 5466 1739 6 Office of Financial Regulation Post Office Box 8050 Tallahassee, FL 32314-8050 Email: Agency.Clerk@flofr.gov Tel: (850) 410-9889

STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION In Re: HOME LOAN ENTERPRISE, INC., and 1 THYSY MICHAEL TRINH, Respondents. ADMINISTRATIVE COMPLAINT EXHIBIT A Case Number: 125383 The State of Florida, Office of Financial Regulation ("Office"), files this Administrative Complaint against HOME LOAN ENTERPRISE, INC., and THYSY MICHAEL TRINH (hereinafter "Respondents") alleging: GENERAL ALLEGATIONS

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

2. Pursuant to section 490.00255(l)(u), Florida Statutes, failure to comply with any provision of chapter 494, Florida Statutes, or corresponding rules constitutes grounds for disciplinary action.

3. Pursuant to section 494.001(24), Florida Statutes, a "mortgage lender" means a person making a mortgage loan or servicing a mortgage loan for others, or for compensation or gain, directly or indirectly, selling or offering to sell a mortgage loan to a non-institutional investor.

4. Pursuant to section 494.001(18), Florida Statutes, a "loan originator" means: [A]n individual who, directly or indirectly, solicits or offers to solicit a mortgage loan, accepts or offers to accept an application for a mortgage loan, negotiates or offers to negotiate the terms or conditions of a new or existing mortgage loan on behalf of a borrower or lender, or negotiates or offers to negotiate the sale of an existing mortgage loan to a noninstitutional investor for compensation or gain. The term includes an individual who is required to be licensed as a loan originator under the S.A.F.E. Mortgage Licensing Act of 2008.

5. The Nationwide Multistate Licensing System and Registry ("NMLS") is the mortgage licensing system and data repository of record which is statutorily mandated to be used by the Office to manage mortgage entities in Florida. §494.001(33), Florida Statutes.

6. Home Loan Enterprise, Inc. ("Home Loan Enterprise") has been licensed with the Office as a mortgage lender (MLD2213) since April 6, 2022.

7. Thysy Michael Trinh is the President and sole owner of Horne Loan Enterprise.

8. The Office conducted an examination (examination number 124713) to ascertain Respondents' compliance with chapter 494, Florida Statutes, and corresponding rules.

9. Rule 69V-40.111(1), Florida Administratrive Code, provides that the penalties that are applicable to each ground for disciplinary action that may be imposed by the Office against a person for a violation of chapter 494, Florida Statutes, are set forth in the "Office of Financial Regulation, Division of Consumer Finance, Disciplinary Guidelines for Mortgage Loan Originators and Mortgage Entities, Form OFR-494-14."

10. Pursuant to Rule 69V- 40.111(5), Florida Administrative Code, the range for an "A" level administrative fine is between $1,000.00 to $3,500.00. COUNTI

11. The above general allegations are hereby re-alleged and incorporated by reference as if fully stated herein.

12. Pursuant to section 494.0063, Florida Statutes, a mortgage lender must obtain an annual financial audit report as of the date of the licensee's fiscal year end, as disclosed to the Office on the application or a subsequent amendment to the application. The mortgage lender shall submit a copy of the report to the office within 120 days after the end of the licensee's fiscal year viaNMLS.

13. Pursuant to section 494.001 (11 ), Florida Statutes, a "financial audit report" ("FAR") 2

means a report prepared in connection with a financial audit that is conducted in accordance with generally accepted auditing standards prescribed by the American Institute of Certified Public Accountants by a certified public accountant licensed to do business in the United States. 14. Respondents reported to the Office that its fiscal year end is December 31. 15. 29, 2024. 16. 30, 2024. Respondents' FAR for the fiscal year end 2023, would be due on or before April Respondents' FAR for the fiscal year end 2024, would be due on or before April 17. As part of the Office's examination, the Office reviewed Respondents' submissions through NMLS. 18. The Office found that on August 30, 2024, 123 days late, Respondents submitted to the Office its FAR for the fiscal year end December 31, 2023. 19. The Office found that on September 22, 2025, 147 days late, Respondents submitted to the Office its FAR for the fiscal year end December 31, 2024. 20. Respondents failed to timely file the FAR for the fiscal year end December 31, 2023, and December 31, 2024, in violation of section 494.0063, Florida Statutes. 21. Pursuant to the Disciplinary Guidelines for Mortgage Loan Originators and Mortgage Entities Form OFR-494-14, incorporated by reference in Rule 69V-40. I l 1, Florida Administrative Code (2015), violation number 76, a licensee cited for violating section 494.0063, Florida Statutes, is subject to an "A" level administrative fine. 22. Therefore, the Office is seeking an administrative fine of $2,625.00. WHEREFORE, Respondents, HOME LOAN ENTERPRISE, INC., and THYSY MICHAEL TRINH, is hereby notified that the Office intends to enter an Order imposing an administrative fine of $2,625.00. 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: Bv Mail or E-Mail 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: Auencv.Clerk@flofr.uov OR Bv Hand Deliven· Agency Clerk Office of Financial Regulation Office of General Counsel The Fletcher Building, Suite 504 101 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 A WAIVER 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, 101 East Gaines Street, Suite 504, Tallahassee, Florida 32399, Phone: (850) 410-9889, or by Email: Agency.Clerk@flofr.gov. Bianca Lherisson Assistant General Counsel Office of Financial Regulation Office of General Counsel Fla. Bar No. 119268 200 E. Gaines Street Tallahassee, FL 32399-0370 Tel: (850) 410-9837 Email: Bianca.Lherisson@flofr.gov CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Administrative Complaint has been sent for service by U.S. Certified Mail to HOME LOAN ENTERPRISE, INC., and THYSY MICHAEL TRINH, 2855 Michelle Dr, #180, Irvine, California 92606, and Registered agent: Corporation Services Company, 1201 Hays Street, Tallahassee, Florida 32301, on this 10th day of February, 2026. 9489 0090 0027 662 □ 8151 81 Bianca Lherisson Assistant General Counsel Office of Financial Regulation 5

STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION Case No: 125383 HOME LOAN ENTERPRISE, INC., and THYSY MICHAEL TRINH, 2855 Michelle Dr, #180, Irvine, California 92606 ELECTION OF PROCEEDING I have received and read the 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: D 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 Administrative Complaint. I understand that upon my waiving the right to a hearing, the Office may enter a final order adopting the findings of fact and conduslons of law In the 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 ONE OF THE FOLLOWING 2 OPTIONS): a. D Attend a hearing by video teleconference before a Hearing Officer appointed by the Office; OR b. D Submit a written statement with supporting documentation to a Hearing Officer appointed by the Office. OPTION #3: D I do dispute one or more oft he Office's factual allegations. I request a formal hearing before the Division of Administrative Hearings {DOAH) pursuant to section 120.57(1), Florida Statutes. tn accordance with Rule 28-106.2015(S)(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 FINANCIAL 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-S0S0; 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) Page 1 of 2

STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION Case No: 125383 HOME LOAN ENTERPRISE, INC., and THYSY MICHAEL TRINH, 2855 Michelle Dr, #180, Irvine, California 92606 **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 Date Form: OFR-GC-13 (rev. 1/28/2026) Page 2 of 2

Florida Office of Financial Regulation 200 East Gaines Street I Tallahassee, Florida 32399-0370 RETURN SERVICE REQU ESTED "f "".-- - - ~ UNITED IT/JTES

• ~l'OST/JLS<IIV/CE, 11111 11111 9489 09 □ □□ 27 662 □ 8151 81 Corporation Services Company c/o HOME LOAN ENTERPRISE, INC. 1201 Hays Street Tallahassee, Florida 32301

~ UNITEDST/JTES J.!!a POST/JL SERVICE March 2, 2026 Dear BIANCA LHERISSON: Exhibit B The following is in response to your request for proof of delivery on your item with the tracking number: 9489 0090 0027 6620 8151 81. Item Details Status: Status Date I Time: Location: Postal Product: Extra Services: Shipment Details Weight: Recipient Signature Signature of Recipient: (Authorized Agent) Address of Recipient: Delivered to Agent, Picked up at USPS February 13, 2026, 8:57 am TALLAHASSEE, FL 32301 First-Class Mail® Certified Mail TM Return Receipt Electronic 3Ib, 14.3oz ~&at~ 'rPMif•'fi "if 'I ii P\1 '11 Cil i>i ' ~ ~ 1' 1 lllll/111 1111111 • Note: Scanned image may reflect a different destination address due to Intended Recipient's delivery instructions on file. Thank you for selecting the United States Postal Service® for your mailing needs. If you require additional assistance, please contact your local Post Office™ or a Postal representative at 1-800-222-1811 . Sincerely, United States Postal Service® 475 L'Enfant Plaza SW Washington, D.C. 20260-0004