Final Order — Lumin Lending Inc. Case 133111

Index: OFR 2026 - 421
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
LUMIN LENDING INC., Case Number: 133111
Petitioner.
FINAL ORDER
This cause came on for consideration and final agency action. Upon review of the record 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 24'"1 day of August, 2026, in Tallahassee, Leon County, Florida. Russ 11 C. Weigel, Commissioner

CERTIFICATE OF SERVICE
I HEREBY CERTIFY that a true and correct copy of the foregoing Final Order has been furnished via U.S. Mail, to Lumin Lending Inc at 2804 Gateway Oaks Dr, Ste 100, Sacramento, California 95833 and emails info@luminlending.com and juanrodriguezcr@gmail.com, and to Michael R. Esposito at 401 East Jackson Street, Ste 3300, Tampa, FL 33602 and michael.esposito@blankrome.com on this ~ y of August, 2026. Tallahassee, FL 31 : -8050 Email: Agen . . erk@flofr.gov Tel: (850) 410-9889

Exhibit A
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
LUMIN LENDING INC, Case Number: 133111
Petitioner.
STIPULATION AND CONSENT AGREEMENT
The State of Florida, Office of Financial Regulation ("Office"), and Lumin Lending Inc. ("Lumin" or "Petitioner"), in consideration of the mutual promises herein, recite, stipulate, and agree as follows:

1. Background. On September 9, 2025, Lumin submitted an application for licensure
   as a mortgage lender. The Office reviewed Lumin's application for a mortgage lender license pursuant to chapter 494, Florida Statutes. The parties are resolving the issues herein prior to conducting any hearing in this matter.
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 this administrative action against Petitioner pursuant to chapter 494, Florida Statutes.
3. Findings. For purposes of this Stipulation and Consent Agreement, Petitioner
   consents to the Office's finding that Petitioner has satisfied the character and general fitness requirements of section 494.00312, Florida Statutes.
4. 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, tenns, duties and responsibilities with respect to its contents. Therefore, in compromise and settlement of the matters stated herein and in consideration of the Office's dismissal of the Notice oflntent to Deny Application for Mortgage Lender License and forbearance from further litigation, Petitioner agrees to the following tenns and conditions:
a. FUTURE COMPLIANCE. Petitioner agrees that it shall cease and desist from violations of chapter 494, Florida Statutes, and the mles promulgated thereunder, and comply with all provisions of chapter 494, Florida Statutes, and the mles promulgated thereunder.
5. 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.
6. Failure to Comply. Petitioner acknowledges, concurs, and stipulates that
Petitioner's failure to comply with any of the terms, obligations, and conditions of this Stipulation and Consent Agreement, is a violation of the written agreement entered pursuant to chapters 120 and 494, Florida Statutes. Such non-compliance may result in the issuance of an emergency cease and desist order, and the initiation of other possible administrative action. However, nothing herein shall be construed to limit Petitioner's rights to contest any finding or determination of non-compliance.
7. Attorney's Fees. Each party herein shall be solely responsible for its separate costs
and attorneys' fees incuned in the prosecution, defense, or negotiations in this matter up to and including entry of the Final Order concluding this matter.

8. Severability. The parties agree that if any provision of this Stipulation and Con.sent
   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.
9. 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.
10. Entire Agreement. This Stipulation and Consent Agreement represents the entire
    agreement by and between Petitioner and the Office. Any alterations, variations, changes, 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 on the last date executed below.

BY PETITIONER LUMIN LENDING INC:
~ ture)
Name: Jonathan Junny Lee
State of - - --
County of _
Date: QJ/ tu I 7,() 1/b --'-----'------- -
See Attached
Not3ry Certificate Title: 33.33% owner
Jonathan Junny Lee, thirty three and thirty three percent owner of Lumin Lending Inc., BEFORE ME by means of [ ] physical presence or [ ] online notarization, has sworn ( or affirmed) that he has read and understands the foregoing agreement and voluntarily signed the same. SWORN TO AND SUBSCRIBED before me this --day of 2026. --- ---~ Notary Public Check the appropriate box:
Personally known D
OR Produced Identification ·8'.]
Type of identification produced § Driver's License D Passport D Other _ __ _ (Do not include ID number) OFFICE OF FINANCIAL REGULATION i!:0~~£~ Date: ---------- - 8/18/2026 Division of Consumer Finance

JURAT
A notary public or other officer completing this certificate verifies only the identity of the individual who signed the document to which this certificate is attached, and not the truthfulness, accuracy, or validity of that document. State of CALIFORNIA } County of __ O_R_A_N_G_E _____ } Subscribed and sworn to (or affirmed} before me on this l~y of ~ V.:S t 20 26 by 0 0 h ,c --1,,,cuvl ill VI~ l.,Q,_JL proved to me on the basis of satisfactory evidencee the perso~ who appeared before me. ADDITIONAL OPTIONAL INFORMATION DESCRIPTION OF THE ATTACHED DOCUMENT ~ J ~17 r- <if Gr-~~ (TIiie or description of allached documenl) Ac~ (Tille or description of atlached documenl conlinued) 04- ocl lo( 'W?-1c, Number of Pages ___ Document Dale _ _ __ _ Additional Information (Seal) INSTRUCTIONS The wording of all Jurats completed in California after January I, 2015 must be in the form as set forth within this Jurat. There are no exceptions. If a Jurat to be completed does not follow this form, the notary must correct the verbiage by using a jurat stamp containing the correct wording or attaching a separate jurat form such as this one with does contain the proper wording. In addition, the notary must require an oath or affirmation from the document signer regarding the truthfulness of the contents of the document. The document must be signed AFTER the oath or affirmation. If the document was previously signed, it must be re-signed in front of the notary public during the jurat process.

• State nnd county information must be the state and county where the documeot signer(s)
  personally appeared before the notary public.
• Date of notarization must be the date the signer(s) personally appeared which must also
  be the same date the jurat process is completed.
• Print the name(s) of the document signer(s) who personally appear at the time of
  aotarization.
• Signatureofthenotarypublicmustmatchthesignatureonfilewiththe office of the county clerk.
• The notary seal impression must be clear and photographically reproducible. Impression
  must not cover text or lines. If seal impression smudges, re-seal if a sufficient area permits, otherwise complete a different jurat fom1.
• Additional information Is not required but could help to ensure this jurat is not misused or
  allached to a different document.
• Indicate title or type of allached document, number of pages and date.
• Securelyattachthisdoc11menttothesigneddocume11twithastaple.