Final Order — Mortgage Broker

Index: OFR 2026 - 315
STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
HUNTER LENDING, LLC, and
KENNETH RYAN HUNTER,
Case Number: 130042
Respondents.
AMENDED 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 Amended 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 2-Z.,.J day of June, 2026, in Tallahassee, Leon County, Florida. Commissioner

CERTIFICATE OF SERVICE
I HEREBY CERTIFY that a true and correct copy of the foregoing Final Order has been furnished by email to counsel for Respondent, H. Richard Bisbee, Esquire, at rbisbee@hrbisbeelaw.com, efile@hrbisbeelaw.com, and legalassistant@hrbisbeelaw.com on this E._ day of June, 2026. 2 1 ial Regulation X 8050 Tallah s , FL 32314-8050 Email. gency.Clerk@flofr.gov Tel: (850) 410-9889

STATE OF FLORIDA
OFFICE OF FINANCIAL REGULATION
In Re:
HUNTER LENDING, LLC, and
KENNETH RYAN HUNTE~
Respondents.
Exhibit A
Case Nember: 130042
STIPULATION AND CONSENT AGREEMENT
The State of Florida, Office of Financial Regu]ation ("Office"), and HUNTER LENDING, LLC, and KENNETH RYAN HUNTER ("Respondents"), in consideration of the mutual promises herein, recite, stipulate, and agree as follows:

1. Background. At all mateyial times, Hunter Lending, LLC, is_ and has been a
   mortgage broker licensee pursuant to chapter 494, Florida Statutes, having been issued license number MBR4116. At all material times, Kenneth Ryan Hunter is and has been the sole managing member of Hunter Lending, LLC. Based upon an examination (No. 129150) initiated by the Office, the Office alleged that grounds existed to initiate administrative proceedings against Respondents pursuant to chapter 494, Florida Statutes. The Office filed an administrative complaint on October 24, 2025, alleging a violation of chapter 494, Florida Statutes. A Final Order was entered on December 23, 2025. Respondents subsequently filed an appeal which is pending before the First District Court of Appeal (DCA) in Case No. 1D2026-0107. In lieu of further litigation, the parties hereby resolve all of the issues raised in the administrative complaint, as well as those raised in Respondents' initial brief and amended initial briefs in First DCA Case No. 1D2026-0107, with this Stipulation and Consent Agreement.

2. Jurisdiction. The Office is the state agency charged with the administration and
   enforcement of chapter 494, Florida Statutes, and the rules promulgated thereunder. The Office bas jurisdiction to bring this administrative action against Respondents pursuant to chapter 494, Florida Statutes.

3. Findings. For purposes of this Stipulation and Consent Agreement, Respondents
   consent to the Office making the following findings:
   a) Respondents failed to timely submit a mortgage call report for Quarter 1 of 2024, as required by Rule 69V-40.176, F.A.C., in violation of section 494.004(2), Florida Statutes.

4. Terms and Conditions. The parties agree that the issues raised in the
   administrative complaint. the Final Order dated December 23, 2025, as well as those raised in Respondents' initial brief and amended initial briefs in Case No. 1D2026-0107, can be expeditiously resolved without further litigation by the execution of this Stipulation and Consent Agreement. The parties acknowledge that 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 foregoing findings and in consideration of the parties' forbearance from further litigation, Respondents agree to the following terms and conditions:
   a. DISMISSAL OF APPEAL. Respondents agree to file a Notice of Voluntary Dismissal with the Clerk of Court of the First District Court of Appeal in Case No. I D2026-0107 upon full execution of this Stipulation and Consent Agreement by the Respondents and the Office and delivery of the fully executed Stipulation and Consent Agreement to each party prior to entry of the Amended Final Order adopting same. 2

b. FUTURE COMPLIANCE. Respondents agree that they shall cease and desist from future violations of chapter 494, Florida Statutes, and the rules promulgated thereunder, and comply with all the provisions of chapter 494, Florida Statutes, and the rules promulgated pursuant thereto.
c. ADMINISTRATIVE FINE. Respondents agree to pay the Office an
administrative fine in the amount of Five Hundred Dollars ($500.00), to be paid within ten (10) days of the entry of the Amended Final Order. This administrative fine shall be submitted in the form of a wire, cashier's check or money order made payable to "Office of Financial Regulation." Such payment shall reference Case Number 130042 and shall be sent to the attention of Agency Clerk - c/o Damaris E. Reynolds, Post Office Box 8050, Tallahassee, Florida 32314-8050. Respondents acknowledge and agree that in accordance with section 215 .31, Florida Statutes, regarding the deposit of monies, (i) the tendered fine or settlement check may be deposited in advance of full execution or acceptance of the Stipulation and Consent Agreement; and (ii) such deposit shall not be construed as a final acceptance of the Stipulation and Consent Agreement absent full execution thereof and entry of a Final Order adopting same.
5. Final Order. Respondents consent to the entry of an Amended Final Order,
superseding and replacing the Final Order dated December I 3, 2025, which incorporates the terms of this Stipulation and Consent Agreement. Respondents understand and agree 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. If the Amended Final Order is not entered, this Stipulation and Consent Agreement shall be null and void. The Amended Final Order incorporating this Stipulation and Consent Agreement constitutes final action by the Office for

which the Office may seek enforcement pursuant to the provisions of chapters 494 and 120, Florida Statutes.
6. Waiver. By Respondents' consent to the entry of an Amended Final Order with
respect to this proceeding, Respondents waive:
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 (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 Amended Final Order.
7. Releases. Upon full execution of this Stipulation and Consent Agreement,
Respondents waive, release, and forever discharge the Office and its agents, representatives, and employees from any and all causes of action, in law or in equity, which Respondents may have arising out of this matter. The Office accepts this release and waiver by Respondents 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. Failure to Comply. Respondents acknowledge, concur, and stipulate that
Respondents' failure to comply with any of the terms, obligations, and conditions of this Stipulation and Consent Agreement, and the Amended Final Order adopting it, is a violation of 4

the written agreement and the Amended Final Order entered pursuant to chapters 120 and 494, Florida Statutes. Such non-compliance may result in the issuance of an emergency cease and desist order.
9. Attornev's Fees. Each party herein shall be solely responsible for its separate costs
and attorney's fees incurred in the prosecution, defense, or negotiations in this matter up to and including the entry of the Amended Final Order adopting this Stipulation and Consent Agreement
10. 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.
11. 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.
12. Entire Agreement. This Stipulation and Consent Agreement represents the entire
agreement by and between Respondents 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 Respondents 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 Respondents execute this Stipulation and Consent Agreement for entry of an Amended Final Order on the last date executed below. 5

HUNTER LENDING, LLC:
r
Date: 5 ·- Ii - 2,.oZ,,6 --------'--------
(Signature)
Name: Kenneth Ryan Hunter Title: Sole Owner
State of Co Lo~ o
County of J tff£,zs orJ
Kenneth Ryan Hunter, as Sole Owner of Hunter Lending, LLC, BEFORE ME by means of 181 phvsicaJ presence or O 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 =:..-L..Af....:..l'l''-'Y ___ __., 2026. Check the appropriate box:
Personally known D
OR Produced Identification ~
Type of identification produced ~ Driver's License D Passport Notary Public SEANHA G PIOEK NOTARY PUBLIC - STATE OF COLORADO NOTARY 10 2002◄026~69 MY COMMISSION EXPIRESAUG 15, 2026 D Other _____ _ (Do not incJude ID number) 6

KENNETH RYAN HUNTER:
t Plr-'-1~ Date: ______,5""- · _- ,{-=·g, _ _ -=;J..0;}- b (Signature) Name: Kenneth Ryan Hunter State of 6, Lo A.11-0 0 - -"''----"'-"-'-~- - County of J"tii~o,J Kenneth Ryan Hunter, BEFORE ME by means of~ physical presence or O 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 lL day of __ M_it_Y;: __ _, 2026. Notary Public Check the appropriate box:
Personally known D SEANNA G PJDEK
NOTARY PUBLIC - STATE OF COLORADO 1 NOTARY ID 20024026369 OR Produced Identification 1K] 1 MY COMMISSION EXPJRESAUG 15, 2026 Type of identification produced IR] Driver's License 0 Passport D Other ______ _ (Do not include ID number) OFFICE OF FINANCIAL REGULATION f3dt7nt,,.uit,. for Gregory C. Oaks Gregory C. Oaks, Director Division of Consumer Finance 7 5/21/2026 Date: --- - -------