PocketLaw | Nevada Revised Statutes | Mortgage Companies and Mortgage

Certificate of exemption: Application; fee; automatic expiration; prohibitions; administrative fine; authority to file application for purposes of complying with requirements of Registry; applicability. [Effective through December 31, 2019.]

Section
645B.016

Certificate of exemption: Application; fee; automatic expiration; prohibitions; administrative fine; authority to file application for purposes of complying with requirements of Registry; applicability. [Effective January 1, 2020.]

Section
645B.017

Certificate of exemption: Expiration; procedure for renewal; cancellation and reinstatement; fees; duplicate copy; deposit of fees; regulations.

Section
645B.018

Exemptions for certain loans: Grounds for granting; revocation; issuance of statement by Commissioner of reasons for granting, denying or revoking.

Section
645B.019

Creation; members; appointment; terms and vacancies; no compensation or per diem allowance; protections afforded members who are public officers or employees.

Section
645B.020

Application for license; application for branch offices; requirements for issuance of license; license for office outside Nevada which conducts business in Nevada. [Effective through December 31, 2019.]

Section
645B.020

Application for license; application for branch offices; requirements for issuance of license; license for office outside Nevada which conducts business in Nevada. [Effective January 1, 2020.]

Section
645B.021

Mortgage broker who is not natural person to designate natural person as qualified employee; regulations. [Effective through December 31, 2019.]

Section
645B.021

Mortgage company who is not natural person to designate natural person as qualified employee; regulations. [Effective January 1, 2020.]

Section
645B.023

Payment of child support: Submission of certain information by applicant; grounds for denial of license; duty of Commissioner. [Effective until the earlier of January 1, 2020, or the date of the repeal of 42 U.S.C. § 666, the federal law requiring each state to establish procedures for withholding, suspending and restricting the professional, occupational and recreational licenses for child support arrearages and for noncompliance with certain processes relating to paternity or child support proceedings.]

Section
645B.023

Payment of child support: Submission of certain information by applicant; grounds for denial of license; duty of Commissioner. [Effective January 1, 2020, and until the date of the repeal of 42 U.S.C. § 666, the federal law requiring each state to establish procedures for withholding, suspending and restricting the professional, occupational and recreational licenses for child support arrearages and for noncompliance with certain processes relating to paternity or child support proceedings.]

Section
645B.023

Payment of child support: Submission of certain information by applicant; grounds for denial of license; duty of Commissioner. [Effective on the date of the repeal of 42 U.S.C. § 666, the federal law requiring each state to establish procedures for withholding, suspending and restricting the professional, occupational and recreational licenses for child support arrearages and for noncompliance with certain processes relating to paternity or child support proceedings and expires: (a) by limitation 2 years after that date; or (b) on January 1, 2020, whichever occurs first.]

Section
645B.025

Posting of license; restrictions on transfer or assignment of license. [Effective through December 31, 2019.]

Section
645B.025

Posting of license; restrictions on transfer or assignment of license. [Effective January 1, 2020.]

Section
645B.035

Activities authorized by license; dual licensure as mortgage banker and mortgage broker. [Effective through December 31, 2019.]

Section
645B.042

Duty of mortgage broker to deposit surety bond with Commissioner; mortgage broker and mortgage agents must be named as principals on bond; amount of bond; Commissioner to determine amount of initial deposit. [Effective through December 31, 2019.]

Section
645B.042

Duty of mortgage company to deposit surety bond with Commissioner; mortgage company and mortgage loan originators must be named as principals on bond; amount of bond; Commissioner to determine amount of initial deposit. [Effective January 1, 2020.]

Section
645B.046

Cancellation of surety bond: Notices required; revocation of license unless equivalent bond furnished.

Section
645B.048

Action on surety bond: Procedure; limitation of time; duties of Commissioner; preliminary payment by surety; action for interpleader; payment. [Effective through December 31, 2019.]

Section
645B.048

Action on surety bond: Procedure; limitation of time; duties of Commissioner; preliminary payment by surety; action for interpleader; payment. [Effective January 1, 2020.]

Section
645B.050

Expiration of license; procedure for renewal; cancellation and reinstatement; fees; duplicate copy; deposit of fees; regulations. [Parts of this section were replaced in revision in 2015 by NRS 645B.017.] [Effective through December 31, 2019.]

Section
645B.050

Expiration of license; procedure for renewal; cancellation and reinstatement; fees; duplicate copy; deposit of fees; regulations. [Parts of this section were replaced in revision in 2015 by NRS 645B.017.] [Effective January 1, 2020.]

Section
645B.051

Continuing education required for renewal of license. [Effective through December 31, 2019.]

Section
645B.051

Continuing education required for renewal of license. [Effective January 1, 2020.]

Section
645B.060

Duties of Commissioner: General supervision and control over mortgage brokers and mortgage agents; regulations; investigations; examinations; periodic and special audits; hearings; related fees; classification of certain records and information as confidential. [Effective through December 31, 2019.]

Section
645B.060

Duties of Commissioner: General supervision and control over mortgage companies and mortgage loan originators; regulations; investigations; examinations; periodic and special audits; hearings; related fees; classification of certain records and information as confidential. [Effective January 1, 2020.]

Section
645B.070

Subpoenas; oaths; examination of witnesses; penalty; assessment of costs.

Section
645B.075

Payment of statutory assessment by mortgage broker; duty of mortgage broker and agents to cooperate fully with audits and examinations. [Effective through December 31, 2019.]

Section
645B.075

Payment of statutory assessment by mortgage company; duty of mortgage company and loan originators to cooperate fully with audits and examinations. [Effective January 1, 2020.]

Section
645B.080

Records relating to mortgage transactions, financial condition and trust accounts; monthly report to Commissioner; accounting procedures for trust accounts; regulations; reports. [Effective through December 31, 2019.]

Section
645B.080

Records relating to mortgage transactions, financial condition and trust accounts; monthly report to Commissioner; accounting procedures for trust accounts; regulations; reports. [Effective January 1, 2020.]

Section
645B.085

Annual financial statement; audit of trust accounts; regulations. [Effective through December 31, 2019.]

Section
645B.085

Annual financial statement; audit of trust accounts; regulations. [Effective January 1, 2020.]

Section
645B.090

Records of Commissioner: General provisions governing public inspection, confidentiality and disclosure of information relating to investigations, examinations, disciplinary actions and certain investments in promissory notes secured by liens on real property. [Effective through December 31, 2019.]

Section
645B.090

Records of Commissioner: General provisions governing public inspection, confidentiality and disclosure of information relating to investigations, examinations, disciplinary actions and certain investments in promissory notes secured by liens on real property. [Effective January 1, 2020.]

Section
645B.092

Records of Commissioner: Certain records relating to complaint or investigation deemed confidential; certain records relating to disciplinary action and orders imposing discipline deemed public records; disclosure by Commissioner.

Section
645B.093

Commingling certain money prohibited. [Effective through December 31, 2019.]

Section
645B.093

Commingling certain money prohibited. [Effective January 1, 2020.]

Section
645B.095

Notification of certain transfers required; application to Commissioner for approval of change of control; investigation; waiver. [Effective through December 31, 2019.]

Section
645B.095

Notification of certain transfers required; application to Commissioner for approval of change of control; investigation; waiver. [Effective January 1, 2020.]

Section
645B.0102

Requirements for initial licensing as mortgage broker or mortgage agent; regulations. [Effective through December 31, 2019.]

Section
645B.0137

Requirements for initial licensing as mortgage company or mortgage loan originator; regulations. [Effective January 1, 2020.]

Section
645B.0138

Courses of continuing education; regulations. [Effective through December 31, 2019.]

Section
645B.0138

Courses of continuing education; regulations. [Effective January 1, 2020.]

Section
645B.0145

Statutory and common-law rights, remedies and punishments unaffected; limitation on actions against State and its officers and employees. [Effective through December 31, 2019.]

Section
645B.0145

Statutory and common-law rights, remedies and punishments unaffected; limitation on actions against State and its officers and employees. [Effective January 1, 2020.]

Section
645B.0147

Fiduciary obligation of licensee to client.

Section
645B.0149

Inapplicability to wholesale lender who only funds or purchases commercial mortgage loans. [Effective January 1, 2020.]

Section
645B.0191

Chair and Vice Chair; meetings; quorum; subcommittees.

Section
645B.0192

Purpose.

Section
645B.0243

Grounds for denial of license: Employing or associating with certain persons who are ineligible to be mortgage agents. [Effective through December 31, 2019.]

Section
645B.0243

Grounds for denial of license: Employing or associating with certain persons who are ineligible to be mortgage loan originators. [Effective January 1, 2020.]

Section
645B.0245

Grounds for denial of license: Control by relative who would be ineligible to be licensed; act or omission of partner, officer or director.

Section
645B.0247

Grounds for denial of license: Authority of Commissioner not limited.

Section
645B.01043

"Commercial mortgage loan" defined. [Effective January 1, 2020.]

Section
645B.01047

"Commercial property" defined. [Effective January 1, 2020.]

Section
645B.01125

"Employee" defined.

Section
645B.01245

"Majority of the investors" defined.

Section
645B.01305

"Private investor" defined.

Section
645B.01325

"Residential mortgage loan originator" defined.

Section
645B.01356

"Wholesale lender" defined.

Section
645B.115

Minimum net worth required for certain mortgage brokers; initial and annual determination of net worth; examination by Commissioner; regulations. [Effective through December 31, 2019.]

Section
645B.115

Minimum net worth required for certain mortgage companies; initial and annual determination of net worth; examination by Commissioner; regulations. [Effective January 1, 2020.]

Section
645B.165

Escrow account required for fee, salary, deposit or money paid in advance; release from escrow; exceptions; refunds; penalty. [Effective through December 31, 2019.]

Section
645B.165

Escrow account required for fee, salary, deposit or money paid in advance; release from escrow; exceptions; refunds; penalty. [Effective January 1, 2020.]

Section
645B.170

Trust account required for money deposited to pay taxes or insurance premiums; fiduciary duty of mortgage broker; accounting to debtor and Commissioner; additional duties and prohibitions. [Effective through December 31, 2019.]

Section
645B.170

Trust account required for money deposited to pay taxes or insurance premiums; fiduciary duty of mortgage company; accounting to debtor and Commissioner; additional duties and prohibitions. [Effective January 1, 2020.]

Section
645B.175

Trust or escrow account required for money received from investor to fund loan; trust or escrow account required for money received from debtor to repay loan; release of money; accounting to investor, debtor and Commissioner; additional conditions, limitations and prohibitions; duties of mortgage broker not delegable or transferable; immunity from liability. [Effective through December 31, 2019.]

Section
645B.175

Trust or escrow account required for money received from investor to fund loan; trust or escrow account required for money received from debtor to repay loan; release of money; accounting to investor, debtor and Commissioner; additional conditions, limitations and prohibitions; duties of mortgage company not delegable or transferable; immunity from liability. [Effective January 1, 2020.]

Section
645B.180

Limitations on execution or attachment of money in trust account; commingling of money prohibited. [Effective through December 31, 2019.]

Section
645B.180

Limitations on execution or attachment of money in trust account; commingling of money prohibited. [Effective January 1, 2020.]

Section
645B.185

Use of disclosure forms required; release of financial statements; duties of mortgage broker and agents; prohibitions; powers of Commissioner; regulations. [Effective through December 31, 2019.]

Section
645B.185

Use of disclosure forms required; release of financial statements; duties of mortgage company and loan originators; prohibitions; powers of Commissioner; regulations. [Effective January 1, 2020.]

Section
645B.186

Disclosure of certain business and personal relationships required. [Effective through December 31, 2019.]

Section
645B.186

Disclosure of certain business and personal relationships required. [Effective January 1, 2020.]

Section
645B.187

Prohibition on making certain guarantees in advertisements and solicitations; limitations on payment of premium interest; penalty. [Effective through December 31, 2019.]

Section
645B.187

Prohibition on making certain guarantees in advertisements and solicitations; limitations on payment of premium interest; penalty. [Effective January 1, 2020.]

Section
645B.189

Statements of disclosure required in certain advertisements; review of advertisements by Commissioner; advertisements must comply with state and federal laws concerning deceptive trade practices and deceptive advertising; regulations. [Effective through December 31, 2019.]

Section
645B.189

Statements of disclosure required in certain advertisements; review of advertisements by Commissioner; advertisements must comply with state and federal laws concerning deceptive trade practices and deceptive advertising; regulations. [Effective January 1, 2020.]

Section
645B.196

Liability of advertising spokesperson for mortgage broker for certain damages. [Effective through December 31, 2019.]

Section
645B.196

Liability of advertising spokesperson for mortgage company for certain damages. [Effective January 1, 2020.]

Section
645B.240

Limitations on charging late fee, additional amount of interest or other penalty. [Effective through December 31, 2019.]

Section
645B.240

Limitations on charging late fee, additional amount of interest or other penalty. [Effective January 1, 2020.]

Section
645B.250

Prohibition on advancing payments to investor on behalf of debtor in default; exceptions. [Effective through December 31, 2019.]

Section
645B.250

Prohibition on advancing payments to investor on behalf of debtor in default; exceptions. [Effective January 1, 2020.]

Section
645B.260

Monthly report to Commissioner on delinquencies in payments and defaults; monthly notice to investors; regulations. [Effective through December 31, 2019.]

Section
645B.260

Monthly report to Commissioner on delinquencies in payments and defaults; monthly notice to investors; regulations. [Effective January 1, 2020.]

Section
645B.300

Written appraisal of real property required; persons authorized to perform appraisal; retention and inspection of appraisal; exceptions. [Effective through December 31, 2019.]

Section
645B.300

Written appraisal of real property required; persons authorized to perform appraisal; retention and inspection of appraisal; exceptions. [Effective January 1, 2020.]

Section
645B.305

Requirement that loan include disclosure concerning fees. [Effective through December 31, 2019.]

Section
645B.305

Requirement that loan include disclosure concerning fees. [Effective January 1, 2020.]

Section
645B.307

Mortgage broker required to include his or her license number or identifying number with loan. [Effective through December 31, 2019.]

Section
645B.307

Mortgage company required to include his or her license number or identifying number with loan. [Effective January 1, 2020.]

Section
645B.310

Requirements for mortgage broker to assign interest in loan. [Effective through December 31, 2019.]

Section
645B.310

Requirements for mortgage company to assign interest in loan. [Effective January 1, 2020.]

Section
645B.320

Copy of recorded deed of trust must be mailed to each investor. [Effective through December 31, 2019.]

Section
645B.320

Copy of recorded deed of trust must be mailed to each investor. [Effective January 1, 2020.]

Section
645B.330

Limitations on use of power of attorney. [Effective through December 31, 2019.]

Section
645B.330

Limitations on use of power of attorney. [Effective January 1, 2020.]

Section
645B.340

Multiple holders of beneficial interest in loan: Holders of majority of outstanding principal balance may act on behalf of all holders for certain matters; notice; exception. [Effective through December 31, 2019.]

Section
645B.340

Multiple holders of beneficial interest in loan: Holders of majority of outstanding principal balance may act on behalf of all holders for certain matters; notice; exception. [Effective January 1, 2020.]

Section
645B.350

Mortgage broker required to provide investors certain options before acquiring ownership or beneficial interest in loan. [Effective through December 31, 2019.]

Section
645B.350

Mortgage company required to provide investors certain options before acquiring ownership or beneficial interest in loan. [Effective January 1, 2020.]

Section
645B.351

Mortgage broker prohibited from including in loan document provision which requires participation in binding arbitration in event of dispute. [Effective through December 31, 2019.]

Section
645B.351

Mortgage company prohibited from including in loan document provision which requires participation in binding arbitration in event of dispute. [Effective January 1, 2020.]

Section
645B.352

Written servicing agreement required before servicing loan. [Effective through December 31, 2019.]

Section
645B.352

Written servicing agreement required before servicing loan. [Effective January 1, 2020.]

Section
645B.353

Mortgage broker prohibited from releasing borrower or guarantor from personal liability without certain approval. [Effective through December 31, 2019.]

Section
645B.353

Mortgage company prohibited from releasing borrower or guarantor from personal liability without certain approval. [Effective January 1, 2020.]

Section
645B.354

Restrictions on withholding money from certain investors; loan servicing agreement may contain provision which provides written consent to withhold money. [Effective through December 31, 2019.]

Section
645B.354

Restrictions on withholding money from certain investors; loan servicing agreement may contain provision which provides written consent to withhold money. [Effective January 1, 2020.]

Section
645B.355

Mortgage broker prohibited from acting as construction control. [Effective through December 31, 2019.]

Section
645B.355

Mortgage company prohibited from acting as construction control. [Effective January 1, 2020.]

Section
645B.356

Restrictions on placing private investor into certain entities before foreclosure of real property securing loan. [Effective through December 31, 2019.]

Section
645B.356

Restrictions on placing private investor into certain entities before foreclosure of real property securing loan. [Effective January 1, 2020.]

Section
645B.357

Restriction on collection of fees by mortgage broker; application of fees. [Effective through December 31, 2019.]

Section
645B.357

Restriction on collection of fees by mortgage company; application of fees. [Effective January 1, 2020.]

Section
645B.400

Requirements to provide services of or engage in activities of mortgage agent. [Effective through December 31, 2019.]

Section
645B.400

Requirements to provide services of or engage in activities of mortgage loan originator. [Effective January 1, 2020.]

Section
645B.405

License as mortgage agent required for mortgage broker or qualified employee who engages in or supervises a mortgage agent who engages in activities as residential mortgage loan originator. [Effective through December 31, 2019.]

Section
645B.405

License as mortgage loan originator required for mortgage company or qualified employee who engages in or supervises a mortgage loan originator who engages in activities as residential mortgage loan originator. [Effective January 1, 2020.]

Section
645B.410

Qualifications and procedure for issuance of license; fees. [Effective through December 31, 2019.]

Section
645B.410

Qualifications and procedure for issuance of license; fees. [Effective January 1, 2020.]

Section
645B.420

Payment of child support: Submission of certain information by applicant; grounds for denial of license; duty of Commissioner. [Effective until the earlier of January 1, 2020, or the date of the repeal of 42 U.S.C. § 666, the federal law requiring each state to establish procedures for withholding, suspending and restricting the professional, occupational and recreational licenses for child support arrearages and for noncompliance with certain processes relating to paternity or child support proceedings.]

Section
645B.420

Payment of child support: Submission of certain information by applicant; grounds for denial of license; duty of Commissioner. [Effective January 1, 2020, and until the date of the repeal of 42 U.S.C. § 666, the federal law requiring each state to establish procedures for withholding, suspending and restricting the professional, occupational and recreational licenses for child support arrearages and for noncompliance with certain processes relating to paternity or child support proceedings.]

Section
645B.420

Payment of child support: Submission of certain information by applicant; grounds for denial of license; duty of Commissioner. [Effective on the date of the repeal of 42 U.S.C. § 666, the federal law requiring each state to establish procedures for withholding, suspending and restricting the professional, occupational and recreational licenses for child support arrearages and for noncompliance with certain processes relating to paternity or child support proceedings and expires: (a) by limitation 2 years after that date; or (b) on January 1, 2020, whichever occurs first.]

Section
645B.430

Annual expiration of license; procedure for renewal; continuing education; fees. [Effective through December 31, 2019.]

Section
645B.430

Annual expiration of license; procedure for renewal; continuing education; fees. [Effective January 1, 2020.]

Section
645B.450

Conditions and limitations regarding employment of or association with mortgage agent; duties of mortgage broker, mortgage banker or certain exempt persons upon termination of mortgage agent. [Effective through December 31, 2019.]

Section
645B.450

Conditions and limitations regarding employment of or association with mortgage loan originator; duties of mortgage company or certain exempt persons upon termination of mortgage loan originator. [Effective January 1, 2020.]

Section
645B.460

Supervision by mortgage broker; requirements; regulations. [Effective through December 31, 2019.]

Section
645B.460

Supervision by mortgage company; requirements; regulations. [Effective January 1, 2020.]

Section
645B.490

Right to be placed on inactive status; procedure for reinstatement. [Effective through December 31, 2019.]

Section
645B.490

Right to be placed on inactive status; procedure for reinstatement. [Effective January 1, 2020.]

Section
645B.600

Person may file complaint alleging violation; requirements.

Section
645B.610

Duties of Commissioner when complaint is filed.

Section
645B.620

Duties of Commissioner when violation is suspected; referral of violations to Attorney General for criminal prosecution; civil action for injunctive relief. [Effective through December 31, 2019.]

Section
645B.620

Duties of Commissioner when violation is suspected; referral of violations to Attorney General for criminal prosecution; civil action for injunctive relief. [Effective January 1, 2020.]

Section
645B.630

Duties of Commissioner when unsafe condition or practice is suspected; seizure of property and assets of mortgage broker; duties of Attorney General. [Effective through December 31, 2019.]

Section
645B.630

Duties of Commissioner when unsafe condition or practice is suspected; seizure of property and assets of mortgage company; duties of Attorney General. [Effective January 1, 2020.]

Section
645B.640

Persons entitled to correct unsafe conditions and practices; effect of failure to correct; receivership and liquidation of assets. [Effective through December 31, 2019.]

Section
645B.640

Persons entitled to correct unsafe conditions and practices; effect of failure to correct; receivership and liquidation of assets. [Effective January 1, 2020.]

Section
645B.670

Authorized disciplinary or other action; grounds for disciplinary action. [Effective through December 31, 2019.]

Section
645B.670

Authorized disciplinary or other action; grounds for disciplinary action. [Effective January 1, 2020.]

Section
645B.680

Suspension of license for failure to pay child support or comply with certain subpoenas or warrants; reinstatement of license. [Effective until the earlier of January 1, 2020, or 2 years after the date of the repeal of 42 U.S.C. § 666, the federal law requiring each state to establish procedures for withholding, suspending and restricting the professional, occupational and recreational licenses for child support arrearages and for noncompliance with certain processes relating to paternity or child support proceedings.]

Section
645B.680

Suspension of license for failure to pay child support or comply with certain subpoenas or warrants; reinstatement of license. [Effective January 1, 2020, and until 2 years after the date of the repeal of 42 U.S.C. § 666, the federal law requiring each state to establish procedures for withholding, suspending and restricting the professional, occupational and recreational licenses for child support arrearages and for noncompliance with certain processes relating to paternity or child support proceedings.]

Section
645B.690

Duty of Commissioner to take disciplinary action for certain violations. [Effective through December 31, 2019.]

Section
645B.690

Duty of Commissioner to take disciplinary action for certain violations. [Effective January 1, 2020.]

Section
645B.700

Categorization of major and minor violations; regulations.

Section
645B.710

Act or omission of partner, officer or director deemed act or omission of partnership, corporation or unincorporated association. [Effective through December 31, 2019.]

Section
645B.710

Act or omission of partner, officer or director deemed act or omission of partnership, corporation or unincorporated association. [Effective January 1, 2020.]

Section
645B.720

Authority of Commissioner to order summary suspension of license and take other action to protect public before conducting hearing.

Section
645B.740

Investigations, actions, disciplinary proceedings, fines and penalties not affected by expiration, revocation or voluntary surrender of license. [Effective through December 31, 2019.]

Section
645B.740

Investigations, actions, disciplinary proceedings, fines and penalties not affected by expiration, revocation or voluntary surrender of license. [Effective January 1, 2020.]

Section
645B.750

Duty of Commissioner to provide written notice of disciplinary action or denial of license; right to administrative hearing; entry of final order; appeals.

Section
645B.760

Effect of failure to appear at hearing; penalty.

Section
645B.800

Attorney General has primary criminal jurisdiction; duty to provide Attorney General with information to assist prosecution; penalty.

Section
645B.810

Attorney General may bring civil action; recovery of costs in civil action.

Section
645B.820

Exercise of jurisdiction over party to civil action; service of summons to confer jurisdiction.

Section
645B.900

Unlawful to conduct business of mortgage broker or mortgage agent without being licensed or exempt from licensing. [Effective through December 31, 2019.]

Section
645B.900

Unlawful to conduct business of mortgage company or mortgage loan originator without being licensed or exempt from licensing. [Effective January 1, 2020.]

Section
645B.910

Unlawful for foreign corporation, association or business trust to conduct business of mortgage broker without meeting certain requirements. [Effective through December 31, 2019.]

Section
645B.910

Unlawful for foreign corporation, association or business trust to conduct business of mortgage company without meeting certain requirements. [Effective January 1, 2020.]

Section
645B.920

Contracts for mortgage transaction voidable for certain violations.

Section
645B.930

Civil action authorized for certain violations. [Effective through December 31, 2019.]

Section
645B.930

Civil action authorized for certain violations. [Effective January 1, 2020.]

Section
645B.950

Penalties for general violations.

Section
645B.955

Commissioner may require licensee to pay restitution. [Effective through December 31, 2019.]

Section
645B.955

Commissioner may require licensee to pay restitution. [Effective January 1, 2020.]

Section
645B.960

Mortgage Companies and Mortgage Loan Originators

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