Mortgage Loan Originator (MLO) Licensing Practice Test

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An originator's unique identifier is required on all but which of the following documents?

  1. Business Cards

  2. Advertisements

  3. Mortgage Loan Applications

  4. Business Signage

The correct answer is: Business Signage

The unique identifier of a mortgage loan originator serves several important purposes, such as enhancing consumer protection and providing transparency in the loan origination process. It is required on various official documents like mortgage loan applications, business cards, and advertisements to ensure that borrowers can easily identify and verify the credentials of the originator they are dealing with. When it comes to business signage, including physical signs outside the originator's office or in other promotional materials, the requirement for a unique identifier is not mandated in the same way. This means that while business signage must adhere to various local regulations and branding requirements, it does not have to prominently display the originator's unique identifier. Thus, it is the exception among the listed documents where the unique identifier is not specifically required.