Final Order — Loan Originator

Index: OFR 2026 - 316 ./ DO 1 6/22/2026 LEG~l STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION In Re: ISAAC EDWARD KEER, Case Number: 136493 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 ISAAC EDWARD KEER ("Petitioner"). FINDINGS OF FACT I. On April 6, 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 ofrecord. (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 FAIL URE TO RESPOND TO THIS NOTICE OF INTENT TO DENY 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 of Intent 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 of Intent 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 ztJ!.. day of June, 2026, in Tallahassee, Leon County, Florida. Commissioner 3

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 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. 4

CERTIFICATE OF SERVICE I hereby certify that a true and correct copy of the foregoing has been furnished to Isaac Edward Keer, via email transmittal at JsaacKeer@yahoo.com and via U.S. mail, to Isaac Edward Keer, 967 Barclay Circle, Rochester, Michigan 48307 on thisZZ"aay of June, 2026. 5 n • Regulation 50 32314-8050 . lerk@flofr.gov Tel: (850) 410-9889

Commissioner Russell C. Weigel, m ISAAC EDWARD KEER 967 Barclay Circle Rochester Hills, Michigan 48307 IsaacKeer0'•,,ahoo.com April 6, 2026 VIA ELECTRONIC MAIL and U.S. MAIL EXHIBIT A RE: Notice oflntent to Deny Application for Mortgage Loan Originator License Pursuant to chapter 494, Florida Statutes NMLS No.: 1942487 Transaction No.: 830350 OFR Case No.: 136493 Dear Mr. Isaac Edward Keer: 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 January 21, 2026, Isaac Edward Keer ("Keer'' or "Applicant'') submitted an application to the Office for licensure as a mortgage loan originator ("initial application").
2. On August 14, 2025, Keer entered a plea ofNolo Contendere to the crime of Larceny (Over $200/Less than $1,000), a Misdemeanor, in the Sixth Judicial Circuit Court, State of Michigan, case number 2005-293534-FH, and was adjudicated guilty.
3. On June IO, 2025, in Docket No.: 2025-16-14, the Director of the State of Idaho Department of Finance entered an Order Denying Mortgage Loan Originator License Application ("Order") denying Keer's Idaho State license application to conduct the business of a mortgage loan originator (NMLS #1942487). 4 On February 26, 2026, the Wisconsin Department of Financial Institutions, Division of Banking entered a Notice denying Applicant's mortgage loan originator renewal application for his Wisconsin mortgage loan originator license #1942487. 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 the Office with jurisdiction over loan originators and is responsible for the administration and enforcement of all provisions of chapter 494, Florida Statutes. 6. Pursuant to section 494.0025( l ), 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. 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. 8. Pursuant to section 494.00312( 4)(a), Florida Statutes, the Office may deny a loan originator license application if the applicant has committed any violation specified in chapter 494, Florida Statutes. 9 Pursuant to sections 494.00255( 1 )U) and (2)( d), Florida Statutes, the Office may deny a loan originator license to an applicant who was convicted of, or entered a plea of guilty or nolo contendere regardless of adjudication, to any felony, or any crime involving fraud, dishonesty, breach of trust, money laundering, or act of moral turpitude. 10. Pursuant to 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 record when deciding whether to approve an application for Iicensure as a loan originator. 11. Pursuant to Rule 69V-40.00112(2), Florida Administrative Code, there are four categories of crimes: class "A," class "B," class "C," and class "0." 12. Pursuant to Rule 69V-40.001 12( 16), Florida Administrative Code, Class "D" crimes include any misdemeanor that involves fraud, dishonesty, or any other act of moral turpitude. Larceny is a Class "D" misdemeanor crime. 13. Pursuant to Rule 69V-40.00112(3)(d), Florida Administrative Code, an applicant whose law enforcement record includes a class "D" crime is ineligible to hold a license until five years have passed since the "trigger date:." 14. Because Applicant pied nolo contendere to Larceny, a Class "D" misdemeanor crime involving dishonesty on August 14, 2025, he is subject to a period of disqualification for 1 The date on which an applicant was found guilty, or pied guilty, or pied nolo contendere to a crime. Rule 69V-40.00112 (2)(d), Florida Administrative Code. 2

Ii censure as a Florida loan originator. Therefore, grounds exist to deny Keer' s application for licensure. 15. Pursuant to section 494.00255(1 )(1)2, Florida Statutes, the Office may deny a license to an applicant who has been the subject of any injunction or adverse administrative order by a state or federal agency regulating banking, insurance, finance or smal I loan companies, real estate, mortgage brokers or lenders, money transmitters, or other related or similar industries. 16. Because Keer has been the subject of an adverse administrative order by the Director of the State of Idaho Department of Finance which denied an Idaho state license to conduct the business of a mortgage loan originator, grounds exist for the Office to deny Applicant's mortgage loan originator license application. 17 Because Keer has been the subject of an adverse administrative order by the Wisconsin Department of Financial Institutions, Division of Banking, which denied renewal of Applicant's Wisconsin mortgage loan originator license #1942487, grounds exist for the Office to deny Applicant's mortgage loan originator license application. The facts stated herein are grounds to deny Isaac Edward Keer' s loan originator license 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 Isaac Edward Keer 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, Rule28-l 06.201, Florida Administrative Code, or Rule 28-106.301, Florida Administrative Code, and must be filed with: B\ 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 B, Hand Deliven 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 am time prior to the expiration of the 21 daYs, \ ou ma, withdraw vour application for a loan ori l!inator license throl,l eh the Nationwide Multistate Licensing S, stem and b\ notifv in~ the Office in writint:. Tn the event that, ou withdraw lQ!!LWPl!.9Jltion. no license will be issued. Submit ,our written withdrawal notice to Debra H. Pierce. Senior Attorne. P.O. Box 8050. Tallahassee, Florida 32314-8050, or at debra. piercera-flofr~ 3

YOUR FAILURE 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, atthe Office of Financial Regulation, The Fletcher Building, Suite 504, IO 1 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 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 Isaac Edward Keer, via email transmittal at lsaacKeer.a \ ahoo.com and via U.S. mail, to Isaac Edward Keer, 967 Barclay Circle, Rochester, Michigan 48307 on this 6th day of April, 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

Case No: 136493 Isaac Edward Keer 967 Barclay Circle Rochester Hills, Michigan 48307 STATE OF FLORIDA OFFICE OF FINANCIAL REGULATION ELECTION OF PROCEEDING I have received and read the Administrative Complaint, including the Notice of Rights, filed by the Office of Financial Regulation (NOffice") 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. ldo 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 conclusions of law in the Administrative Complaint, and im osin the enalties sou ht in the Administrative Complaint. OPTION #2: 0 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 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 attachini, a copy of the material facts that I dis ute. 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 BEFORETHE 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,Suite504, 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

Case No: 136493 Isaac Edward Keer 967 Barclay Circle Rochester Hills, Michigan 48307 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 Date Form: OFR-GC·l3 (rev. 1/28/2026) Page 2 of 2