Which individual would MOST likely NOT require a mortgage loan originator license?

The individual who would most likely not require a mortgage loan originator license is one who is working independently among the choices given. However, it's important to clarify that typically, anyone who engages in activities that involve originating mortgage loans for compensation is required to have a mortgage loan originator license, unless they fall under specific exemptions.

A person working independently would likely be expected to obtain a license because they would be engaging directly in activities that involve sourcing, negotiating, or arranging mortgage loans without the support of an established, licensed institution or entity. On the contrary, an employee of a licensed mortgage originator operates under the supervision of the established entity and is generally not required to have an individual license as long as they are compliant with their employer's licensing status.

A government employee acting in their official capacity may also be exempt from needing a mortgage loan originator license since they are often representing the government and fulfilling duties related to their role rather than engaging in private lending. A registered mortgage loan originator is usually licensed and must meet qualification criteria, and thus does require a license to conduct business.

In this context, while option B may seem like a valid response, the nuances of licensing for independent workers as opposed to those under oversight or governmental roles must be carefully considered.