Index: Of R Wllo -2/0 STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION In Re: LOURDES MARIA ROSADO, Case Number: 128159 Petitioner. FINAL ORDER This cause came on for consideration and final agency action. and being otherwise fully advised in the premises, the Office of Financial Regulation ("Office") hereby finds:

1. The Office has jurisdiction over the subject matter of this case and the parties hereto.
2. The entry of this Final Order concludes the above-referenced matter. ORDERED: A. The Stipulation and Consent Agreement (Exhibit A) is hereby approved and incorporated by reference as if fully stated herein and is adopted as the Office's Findings of Fact and Conclusions of Law. B. The parties shall comply with all terms of the Stipulation and Consent Agreement. DONE and ORDERED this i_±_ day of April, 2026, in Tallahassee, Leon County, Florida. Russe Comm1ss10ner

CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing Final Order has been furnished to Petitioner, Lourdes Maria Rosado, at lourdesrosado.mortgagepro@gmail.com via email and to Jonathan Steszewski, Esq. at jonathan@steszewskilaw.com on this ~day of April, 2026. 2 Office of Financial Regulation Post Office Box 8050 Tallahassee, FL 32314-8050 Email: Agency.Clerk@flofr.gov Tel: (850) 410-9889

Exhibit A STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION In Re: LOURDES MARIA ROSADO, Case Number: 128159 Petitioner. STIPULATION AND CONSENT AGREEMENT The State of Florida, Office of Financial Regulation ("Office"), and Lourdes Maria Rosado ("Petitioner"), in consideration of the mutual promises herein, recite, stipulate, and agree as follows:

1. Background. At all times material hereto, Petitioner was a licensed loan originator as that term is defined in section 494.001(18), Florida Statutes, having been issued license number LO27089. On November 27, 2024, Petitioner submitted a renewal application for licensure as a loan originator pursuant to chapter 494, Florida Statutes. On May 28, 2025, the Office issued a Notice of Intent to Deny Petitioner's Loan Originator License ("Denial Notice") which was based on Petitioner's adverse credit history information. On March 16, 2026, Petitioner received a bankruptcy discharge, which resolved the issue of Petitioner's adverse credit history information. In lieu of initiating a formal proceeding, the parties are herein resolving the matters at issue through this Stipulation and Consent Agreement.
2. Jurisdiction. Pursuant to section 494.011, Florida Statutes, the Office is charged with the responsibility of administering and enforcing the provisions of chapter 494, Florida Statutes. The Office has jurisdiction to bring administrative actions pursuant to chapter 494,

Florida Statutes. 3. 4. Findings. For purposes of this Stipulation, the Office makes no findings. Terms and Conditions. Petitioner and the Office agree that the issues raised can be expeditiously resolved without a hearing and that further litigation can be avoided by the execution of this Stipulation and Consent Agreement. The parties acknowledge they have read this Stipulation and Consent Agreement and fully understand the rights, obligations, terms, duties and responsibilities with respect to its contents. Therefore, in compromise and settlement of the matters stated herein, the Office hereby DISMISSES the Denial Notice issued to Petitioner. 5. Final Order. Petitioner consents to the entry of a final order, which incorporates the terms of this Stipulation and Consent Agreement. Petitioner understands and agrees that this Stipulation and Consent Agreement is subject to the final approval of the Office of Financial Regulation and the entry of the Final Order adopting such Agreement. In the event that the Final Order is not entered, this Stipulation and Consent Agreement shall be null and void. The Final Order incorporating this Stipulation and Consent Agreement constitutes final agency action by the Office. 6. Waiver. By Petitioner's consent to the entry of the Final Order with respect to this proceeding, Petitioner waives: a. Any right to separately stated Findings of Fact and Conclusions of Law; b. Any right to receipt of a Notice of Rights pursuant to chapter 120, Florida Statutes; c. Any right to an administrative hearing or issuance of a Recommended Order pursuant to chapter 120, Florida Statutes; and d. Any right to contest in any administrative forum or judicial proceeding 2

(including, but not limited to, an appeal pursuant to section 120.68, Florida Statutes) the validity of any term, condition, obligation, or duty expressly created in this Stipulation and Consent Agreement and the Final Order. 7. Releases. Upon full execution of this Stipulation and Consent Agreement, Petitioner waives, releases, and forever discharges the Office and its agents, representatives, and employees from any and all causes of action, in law or in equity, which Petitioner may have arising out of this matter. The Office accepts this release and waiver by Petitioner on behalf of itself, its agents, representatives, and employees without acknowledging, and expressly denying, that any such right or cause of action may exist. 8. Attorney's Fees. Each party herein shall be solely responsible for its separate costs and attorneys' fees incurred in the prosecution, defense, or negotiations in this matter up to and including entry of the Final Order adopting this Stipulation and Consent Agreement. 9. Severability. The parties agree that if any provision of this Stipulation and Consent Agreement or the application thereof to any person or circumstance is held invalid, the Stipulation and Consent Agreement will be given effect without the invalid provision, and to this end, the provisions of this Stipulation and Consent Agreement are declared severable. 10. Counterparts. This Stipulation and Consent Agreement may be executed in any number of counterparts, and by the parties in separate counterparts, each of which will be deemed to be an original but all of which together will constitute but one Stipulation and Consent Agreement. Copies of this Stipulation and Consent Agreement transmitted by facsimile or electronic mail shall have the same validity as if bearing an original signature. 11. Entire Agreement. This Stipulation and Consent Agreement represents the entire agreement by and between Petitioner and the Office. Any alterations, variations, changes, 3

modifications or waivers of the provisions hereof shall be valid only when they have been reduced to writing, duly signed by the Office and Petitioner hereto, attached to the original of this Stipulation and Consent Agreement, and subject to the approval of the Office. WHEREFORE, in consideration of the foregoing, the Office and Petitioner execute this Stipulation and Consent Agreement for entry of a Final Order on the last date executed below. [Remainder of page intentionally left blank] 4

BY PETITIONER LOURDES MARIA ROSADO: Date: 04/01/2026 (Signature) Name: Lourdes Maria Rosado State of Florida County of Miam~ Hillsborough Lourdes Maria Rosado, BEFORE ME by means of [ ] physical presence or M online notarization has sworn ( or affirmed) that she has read and understands the foregoing agreement and voluntarily signed the same. April SWORN TO AND SUBSCRIBED before me this_~1=st_ day ofM&l'd:K 2026. Check the appropriate box: Personally known D OR Produced Identification ~ Type of identification produced D Driver's License [3' Passport ~ Carrie Jennewein

CARRIE JENNEWEIN

~ Notary Public - State of Florida ~ '!t Commission # 11H 852021 ~ ~·· Expires on March 181 2029 ¾ 1/f/Qlil\ D Other _______ _ (Do not include ID number) Notarized remotely online using communication technology via Proof. Date: 4/16/2026 Division of Consumer Finance 5