Final Order — Loan Originator

Index: OFR 2026 - 424 STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION In Re: D0CKtT€O ' 8/25/2026 £GAL ORANGEL JOSE VELAZCO GONZALEZ, Case Number: 139116 Petitioner. FINAL ORDER 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 ORANGEL JOSE VELAZCO GONZALEZ ("Petitioner"). FINDINGS OF FACT

1. On July 8, 2026, the Office issued a Notice of Intent to Deny Application for Loan Originator License Pursuant to Chapter 494, Florida Statutes ("Notice of Intent to Deny") to Petitioner, with true and correct copies furnished via U.S. mail to Petitioner's mailing address of record and via email to Petitioner's email address of record. (Exhibit A)
2. The Notice of Intent to Deny had attached thereto a Notice of Rights, which fully advised Petitioner that he had twenty-one (21) days after the receipt of the Notice oflntent to Deny within which to petition the Office for an administrative hearing to contest the allegations set forth in the Notice oflntent to Deny, in accordance with sections 120.569 and 120.57, Florida Statutes, including the following information: YOUR FAILURE TO RESPOND TO THIS NOTICE WITHIN TWENTY-ONE (21) DAYS OF RECEIPT WILL CONSTITUTE A W AIYER OF YOUR RIGHT TO REQUEST A HEARING,

AND A FINAL ORDER WILL BE ENTERED WITHOUT FURTHER NOTICE. 3. To date, the Office has not received a written response or a request for hearing from Petitioner, and/or a claim of equitable tolling. 4. The uncontested allegations in the Notice oflntent to Deny are hereby incorporated by reference and adopted as Findings of Fact in this Final Order. CONCLUSIONS OF LAW 5. The Office is responsible for the administration and enforcement of chapter 494, Florida Statutes. 6. Pursuant to chapter 494, Florida Statutes, the Office has jurisdiction over the subject matter and Petitioner. 7. The Findings of Fact herein serve as the basis of the entry of this Final Order against Petitioner. 8. 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. 9. Pursuant to Rule 28-106.111(4), Florida Administrative Code, the failure of Petitioner to timely respond to the Notice of Intent to Deny constitutes a waiver of Petitioner's right to an administrative proceeding. 10. 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. Dept. of Admin., 523 So.2d 1132 (Fla. 1988). 2

11. 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).
12. The Notice oflntent to Deny was properly addressed and mailed to Petitioner at his mailing address and therefore was received by Petitioner. See Brown v. Giffen Indus., Inc., 281 So.2d 897,900 (Fla. 1973).
13. Because Petitioner failed to timely file a petition or any other document in response to the Notice of Intent to Deny, and/or failed to present a claim of equitable tolling the waiver of the right to an administrative hearing by Petitioner is complete. See Patz at 80.
14. The legal conclusions that form the basis for denial as set forth in the Notice of Intent to Deny, being uncontested by Petitioner, are accepted as true and correct and are adopted by the Office as Conclusions of Law for purposes of this Final Order.
15. Petitioner's waiver of his rights to a hearing, taken together with the Findings of Fact and Conclusions of Law adopted herein, constitute sufficient grounds to deny Petitioner's license application. Based on the foregoing Findings of Fact and Conclusions of Law, it is hereby ORDERED: Petitioner's application for a license as a Loan Originator pursuant to chapter 494, Florida Statutes, is hereby DENIED. DONE and ORDERED this ~ day of August, 2026, in Tallahassee, Leon County, Florida. 3 Russ Comm1ss1oner

NOTICE OF RIGHTS A PARTY WHO IS ADVERSELY AFFECTED BY THIS FINAL ORDER IS ENTITLED TO JUDICIAL 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 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. 4

CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Final Order has been furnished to Orangel Jose Velazco Gonzalez via U.S. Mail at 3345 Rolling Plains Cir., Clermont, FL 34714, and via electronic mail at oranvelaz@gmail.com on this L~ y of August, 2026. 5 • an • I Regulation ce x 8050 Talla ass , FL 32314-8050 Emai . gency.Clerk@flofr.gov Tel: (850) 410-9889

Commissioner Russell C. Weigel, III Orangel Jose Velazco Gonzalez 3345 Rolling Plains Cir. Clermont, FL 34714 oranvelaz@gmail.com July 8, 2026 VIA ELECTRONIC MAIL and U.S. MAIL Exhibit A RE: Notice of Intent to Deny Application for Mortgage Loan Originator License Pursuant to chapter 494, Florida Statutes NMLS No.: 2808013 Transaction No.: 836306 OFR Case No.: 139116 Dear Mr. Orangel Jose Velazco Gonzalez: NOTICE IS HEREBY GIVEN that pursuant to sections494.0011, 494.00255, and 120.60, Florida Statutes, and Rule 69V-40.00112, Florida Administrative Code, the State of Florida Office of Financial Regulation ("Office"), by this letter intends to deny your application for licensure as a mortgage loan originator in the State of Florida. The reasons for the denial are as follows: FINDINGS OF FACT

1. On April 14, 2026, Orangel Jose Velazco Gonzalez ("Velazco" or "Applicant") submitted an application to the Office for licensure as a mortgage loan originator ("initial application").

2. On August 24, 2022, Velazco, a Venezuelan national, entered the United States and was detained on alien inadmissibility by U. S. Customs and Border Protection pursuant to 8 U.S.C. § 1182. He was not admitted into the United States at that time.

3. On August 24, 2022, Velazco was paroled from detention by the U.S. Department of Homeland Security for a period of sixty days under section 212( d)( 5) of the Immigration and Nationality Act. The parole expired October 25, 2022.

4. Velazco was granted Temporary Protected Status on December 9, 2024, but that status expired April 2, 2025. WWW.FLOFR.GOV 200 East Gaines Street, Tallahassee, Florida 32399-0370 (850)487-9687 • FAX(850)410-9663

5. Velazco is not a citizen or permanent resident of the United States.

6. Velazco has applied for but has not been granted asylum or a withhold deportation order.

7. Velazco is not and was not at the time of submission of his initial application, paroled or lawfully admitted into the United States.

8. Velazco is an alien present in the United States without lawful immigration status.

9. The Office is the Florida State agency charged with processing applications for and issuing licenses under chapter 494, Florida Statutes. CONCLUSIONS OF LAW

10. Section 494.0011, Florida Statutes, provides the Office with jurisdiction over loan originators and is responsible for the administration and enforcement of all provisions of chapter 494, Florida Statutes.

11. Pursuant to section 494.0025(1 ), Florida Statutes, a person may not act as a loan originator in this state unless licensed pursuant to part II, chapter 494, Florida Statutes.

12. Pursuant to section 494.001 (18), Florida Statutes, "loan originator" means: An 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.

13. Pursuantto 8 U.S.C. § 1621(a), an alien who is not a qualified alien as defined in 8 U.S.C. § 1641, a nonimmigrant under the Immigration and Nationality Act, or an alien who is paroled into the United States is not eligible for any state or local public benefit.

14. Pursuant to 8 U.S.C. § 1621(c), a "state or local public benefit" includes any professional or commercial license provided by an agency of state or local government.

15. Licensure as a loan originator is a state or local public benefit for which Velazco applied.

16. Applicant is an alien present in the United States without lawful immigration status, nor is he a qualified alien, a nonimmigrant under the Immigration and Nationality Act, or an alien who is paroled into the United States, and therefore he is ineligible for state licensure pursuant to 8 U.S.C. § 1621(a). Therefore, grounds exist to deny Velazco's application for licensure. 2

The facts stated herein are grounds to deny Orangel Jose Velazco Gonzalez's loan originator license application based on the above enumerated provisions of chapter 494, Florida Statutes, the related Florida Administrative Code rules and 8 U.S.C. §1182. Accordingly, by this letter, the Office of Financial Regulation hereby notifies Orangel Jose Velazco Gonzalez of its intent to deny his loan originator license application. NOTICE OF RIGHTS Please be advised that pursuant to Sections 120.569 and 120.57, Florida Statutes,you may request a hearing to contest this action by the Office. Requests for such a hearing must comply with the provisions of Rule 28-106.104(2), Florida Administrative Code, Rule 28-106.20 l, Florida Administrative Code, or Rule 28-106.301, Florida Administrative Code, and must be filed with: By Mail or Email Agency Clerk Office of Financial Regulation P.O. Box 8050 Tallahassee, Florida 32314-8050 Phone: (850) 410-9889 Agency .Clerk@flofr.gov OR By Hand Delivery Agency Clerk Office of Financial Regulation General Counsel's Office The Fletcher Building 101 East Gaines Street, Suite 504 Tallahassee, Florida 32399-0379 Phone: (850) 410-9889 Your request must be filed within twenty-one (21) days of the date of receipt of this Notice of Intent to Deny. At any time prior to the expiration of the 21 days. you may withdraw vour application for a loan ori ginator license through the Nationwide Multi state Licensing System and by notifying the Office in writing. In the event that you withdraw your application. no license will be issued. Submit your written withdrawal notice to Debra H. Pierce. Senior Attorney. P.O. Box 8050. Tallahassee, Florida 32314-8050. or at debra.pierce@flofr.gov. YOUR FAIL URE TO RESPOND TO THIS NOTICE OF INTENT TO DENY WITHIN TWENTY-ONE (21) DAYS OF RECEIPT WILL CONSTITUTE A WAIVER OF YOUR RIGHT TO REQUEST A HEARING, AND A FINAL ORDER WILL BE ENTERED WITHOUT FURTHER NOTICE. If you request a hearing, you will have the right to be represented by counsel or other qualified representative; to offer testimony, either written or oral; to call and cross-examine witnesses; and to have subpoenas and subpoenas duces tecum issued on your behalf. Pursuant to Section 120.573, Florida Statutes, mediation is not available. NOTICE TO APPLICANT In accordance with the Americans with Disabilities Act, persons with disabilities needing a 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 504,101 East Gaines Street, Tallahassee, Florida 32399-0379, Phone: (850) 410-9889, or by Email: agency.clerk@flofr.com. If you have any questions regarding any of the matters discussed in this letter, please 3

contact Debra H. Pierce, Office of Financial Regulation, at 850-410-9998. Sincerely, Gregory C. Oaks, Director Division of Consumer Finance CERTIFICATE OF SERVICE I hereby certify that a true and correct copy of the foregoing has been furnished to Orangel Jose Velazco Gonzalez, via email transmittal at oranvelaz@gmail.com and via U.S. mail, to Orangel Jose Velazco Gonzalez, 3345 Rolling Plains Cir., Clermont, FL 34714 on this 8th day of July, 2026. Debra H. Pierce Senior Attorney Office of Financial Regulation Office of General Counsel Fla. Bar No. 0326690 200 E. Gaines Street Tallahassee, FL 32399-0370 Tel: 850-410-9998 Email: Debra.Pierce@flofr.gov 4