이민생활 Q&A (게시판)

모기지 브로커 (Mortgage Originator, Mortgage Broker)

Author
admin
Date
2018-06-30 11:01
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690

용어해설
출처: https://www.trulia.com/voices/Financing/Mortgage_broker_vs_loan_originator_what_s_the_di-26603

(1)Mortgage Loan Originator (MLO) : Anyone who holds himself/herself out to the public to make mortgages, advises borrowers, completes a mortgage application, gathers documents, and submits same for underwriting. Most banks and retail lenders call their sales representatives "loan originators" Loan originators who work as employees of banks and retail lenders are exempt from individual licensure.
(2)Mortgage Broker: A loan originator who is independent of any particular lender, operating either his/her own business or under the supervision of a mortgage brokerage business. A comparision would be found with independent insurance agents representing many insurors versus an employee of a particular insuror. Mortgage brokers must hold a license from the state(s) in which they operate.
(3)Mortgage Brokerage Business: Some states, such as Florida, require licensed mortgage brokers to operate under the supervision of a licensed mortgage brokerage business, which is analogous to a real estate agent operating under the license of a supervisory real estate broker.
(4)Loan Officer: In the old days, these were the individuals who would make a credit decision on borrowers; they usually were members of the bank's loan committee. Nowadays it's an essentially meaningless term. The word "officer" carries a legal connotation implying the authority to bind the bank or lender to contracts. Bank mortgage sales representatives do not have that authority; only an underwriter may issue a loan commitment on behalf of the lender.

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