Final Order — Loan Originator

Index: OFR 2026 - 385 STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION In Re: FRANK ANTHONY LESOWSKE, Case Number: 138126 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 FRANK ANTHONY LESOWSKE, ("Petitioner"). FINDINGS OF FACT

1. On May 18, 2026, the Office issued a Notice oflntent to Deny Renewal Application for a 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. Certified Mail to Petitioner's place of employment on June 18, 2026. (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 of Intent 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 IN WRITING WITHIN TWENTY-ONE (21) DAYS OF RECEIPT WILL CONSTITUTE A W AJVER OF YOUR RIGHT TO REQUEST A HEARING,

AND A FINAL ORDER WILL BE ENTERED WITHOUT FURTHER NOTICE. 3. The Notice of Intent to Deny was served on June 22, 2026. (Exhibit B) As such, a response was due no later than Monday, Ju1y 13, 2026. 4. To date, the Office has not received a written response or a request for hearing from Petitioner, and/or a claim of equitab1e tolling. 5. The uncontested allegations in the Notice of Intent to Deny are hereby incorporated by reference and adopted as Findings of Fact in this Final Order. CONCLUSIONS OF LAW 6. The Office is responsible for the administration and enforcement of chapter 494, Florida Statutes, and has jurisdiction over the subject matter pursuant to chapter 494, Florida Statutes. 7. The Findings of Fact that have been adopted 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. 9. 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 2

Admin., 523 So.2d 1132 (Fla. 1988). 10. 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). 11. The Notice of Intent to Deny was properly addressed and mailed to Petitioner at his place of employment and therefore was received by Petitioner. See Brown v. Giffen Indus., Inc., 281 So.2d 897, 900 (Fla. 1973). 12. Because Petitioner failed to 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. 13. 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. 14. The waiver of a hearing by Petitioner, 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: A. Petitioner's Renewal 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. Commissioner 3

NOTICE OF RIGHTS A PARTY WHO IS ADVERSELY AFFECTED BY THIS FINAL ORDER IS ENTITLED TO illDICIAL 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: • Bv Mail, Facsimile or Email Agency Clerk Office of Financial Regulation Office of General Counsel P.O. Box 8050 Ta11ahassee, 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 IO 1 East Gaines Street Ta11ahassee, 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 sent for service to Frank Anthony Lesowske via U.S. Mail to Frank Anthony Lesowske c/o Lincoln Lending Group, 6944 W Linebaugh Avenue, #101, Tampa, FL 33625 and via electronic mail at franklesowske@gmail.com on this S (/day of August, 2026. 5 A lation Po T ahasse ., 32314-8050 Email: Agency.Clerk@flofr.gov Tel: (850) 410-9889

Florida Office of Financial Regulation 200 East Gaines Street I Tallahassee, Florida 32399-0370 RETURN SERVICE REQUESTED ------------------------ -~-·----------------- -- ~ -~ llNfTW siMc~ CERTIFIED M' n IL~, ronn,t ... ruvu:r, I J 1-t 11111 ~ I 111 11 9489 □□ □ □□ 27 662 □ 8129 6 .,, ij ti 0 ,.;ii ~ ~ :ll"' _,.. u:g ~3: Frank Anthony Lesowske c/o Lincoln Lending Group 6944 W Linebaugh A venue, # 101 Tampa, Florida 33625 t'fj ~ =- C" -· ..... -·

Commissioner Russell C. Weigel, III Frank Anthony Lesowske 1501 S Hillcrest A venue Clearwater, Florida 33756 VIA U.S. CERTIFIED MAIL May 18, 2026 RE: Notice of Intent to Deny Renewal Application for a Loan Originator License Pursuant to chapter 494, Florida Statutes NMLS No.: 2717621 Transaction No.: 829411 OFR Case No.: 138126 NOTICE IS HEREBY GIVEN that pursuant to sections 494.0011, 494.00312, 494.00313, 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 Frank Anthony Lesowske's renewal application for Jicensure as a loan originator in the State of Florida. The reasons for the denial are as follows: FINDINGS OF FACT

1. Frank Anthony Lesowske ("Lesowske" or "Applicant") has been licensed with the Office as loan originator, pursuant to chapter 494, FJorida Statutes, having been issued license number LO 139348.
2. On January 20, 2026, Lesowske submitted his request for renewal of his loan originator license through the end of the calendar year 2026.
3. On February 4, 2026, in Case Number 53-2026-CF-000711-A000-BA, in the Circuit Court of the Tenth Judicial Circuit, In and For Polk County, Florida, Applicant was charged with Aggravated Assault with a Deadly Weapon and Armed Trespass, felony crimes.
4. To date, the aforementioned case is open and scheduled for a Pre-trial Conference on May 19, 2026. www.flofr.gov 200 East Gaines Street, Tallahassee, Florida 32399-0370 (850) 487-9687 • FAX (850) 410-9663

CONCLUSIONS OF LAW 5. Section 494.0011, Florida Statutes, provides that the Office has jurisdiction over loan originators and is responsible for the administration and enforcement of the provisions of chapter 494, Florida Statutes. 6. 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. 7. Section 494.001(18), Florida Statutes, defines a "loan originator" as 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. 8. Pursuant to section 494.00313(2), Florida Statutes, the Office may not renew a loan originator license unless the loan originator continues to meet the minimum requirements for initial licensure pursuant to section 494.00312, Florida Statutes. 9. Pursuant to section 494.0011(2)(c), Florida Statutes, and Rule 69V-40.00112(1), Florida Administrative Code, as part of the application review process, the Office is required to consider an applicant's law enforcement records when deciding whether to approve an application for licensure as a loan originator. 10. Pursuant to section 494.00312(4)(a), Florida Statutes, it is a ground for denial of Ii censure if an applicant is the subject of a pending felony criminal prosecution. 11. Because Applicant's felony criminal charges of Aggravated Assault with a Deadly Weapon and Armed Trespass have not yet been resolved, Applicant remains the subject of a pending felony prosecution. 12. Because Applicant is cmTently the subject of a pending felony prosecution, Applicant does not meet the minimum requirements for initial licensure as a loan originator and grounds exist to deny Applicant's renewal application pursuant to sections 494.00312 and 494.00313, Florida Statutes. The facts stated herein are grounds for denial of Frank Anthony Lesowske's license renewal application based on the above enumerated provisions of chapter 494, Florida Statutes, and the related Florida Administrative Code rules. Accordingly, by this letter the Office of Financial Regulation hereby notifies Frank Anthony Lesowske of its intent to deny his renewal application for licensure as a loan originator. 2

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 28-106.201, Florida Administrative Code, or Rule 28-106.301, Florida Administrative Code, and must be filed with: B, Mail or E-mail Agency Clerk Office of Financial Regulation P .0. Box 8050 Tallahassee, Florida 32314-8050 Phone: (850) 410-9889 Email: Agency.Clerk@flofr.gov OR By Hand Deliven Agency Clerk Office of Financial Regulation General Counsel's Office The Fletcher Building I OJ East Gaines Street, Suite 504 Tallahassee, Florida 32399 Phone: (850) 410-9889 Your request must be filed within twenty-one (21) days of the date ofreceipt of this Notice of Intent to Deny. At any time prior to the expiration of the 21 da, s. vou ma v withdraw vour a lication for a loan orioinator license throu 1h the Nationwide Multistate Licensin .i. Svstem and/or the REAL S'stem b\ notifvin!! the Office in writinl!. Submit vour written withdrawal notice to Maria A. Guitian. Assistant General Counsel. P.O. Box 8050. Tallahassee. Florida 32314-8050, or to Maria.Guitianfi flofr.!!ov. In the event that vou withdraw your application. no license will be issued. YOUR FAILURE TO RESPOND TO THIS NOTICE OF INTENT TO DENY WITHIN TWENTY-ONE (21) DAYS OF RECEIPT WILL CONSTITUTE AW AIVER 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 APPLICANTS 1n 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, 3

The Fletcher Building, 101 East Gaines Street, Suite 504, Tallahassee, Florida 32399-0379, Phone: (850) 410-9889, or by Email: Agency.Clerk@flofr.gov. If you have any questions regarding any of the matters discussed in this letter, please contact Maria A. Guitian, Office of Financial Regulation, at (305) 536-0341. 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 Frank Anthony Lesowske, by U.S. Certified Mail at: 1501 S Hillcrest Avenue, Clearwater, Florida 33756 on this 19th day of May, 2026. --biw,~ a. lt.,;a... Maria A. 'uitian Assistant General Counsel Office of Financial Regulation Office of General Counsel Fla. Bar No. 813966 200 E. Gaines Street Tallahassee, FL 32399-0370 Tel: (305) 536-0341 Email :Maria.Guitian@flofr.gov 4

CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing has been furnished to Frank Anthony Lesowske, by U.S. Certified Mail at: 1437 Laura Street, Clearwater 33755 and FrankAnthony Lesowske c/o Lincoln Lending Group, 6944 W Linebaugh Avenue, #101, Tampa, Florida 33625 on this I 8 day of June, 2026. -tnai"i a. 11,;11.., Maria A. uitian B ~~- ~ 6

• --- Assistant General Counsel Office of Financial Regulation Office of General Counsel Fla. Bar No. 813966 200 E. Gaines Street Tallahassee, FL 32399-0370 Tel: (305) 536-0341 Email: Maria.Guitian@flofr.gov

~ UNITED ST/J.TES IJiijfj POST/J.L SERVICE® July 01, 2026 Dear Maria A Guitian: 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 8129 06. Item Details Status: Status Date I Time: Location: Postal Product: Extra Services: Shipment Details Weight: Recipient Signature Delivered, Left with Individual June 22, 2026, 04:08 pm TAMPA, FL 33625 First-Class Mail® Certified Mail™ Return Receipt Electronic 4Ib, 0.3oz Signature of Recipient: ~r 'c-t 0 (rc,_h'< • • 6944 W LINEBAUGH AVE STE Address of RecIpIent: 101. TAMPA, FLss62s 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 TM or a Postal representative at 1-800-222-1811 . Sincerely, United States Postal Service® 475 L'Enfant Plaza SW Washington, D.C. 20260-0004