Which of the following activities could require a mortgage loan originator license?

Processing loan applications for clients is an activity that typically requires a mortgage loan originator license because it involves taking and managing loan applications in a way that directly influences the lending process. This includes gathering financial information, assessing borrower qualifications, and determining loan eligibility—all critical tasks that fall under the responsibilities of a licensed mortgage loan originator.

In contrast, while other choices may seem related to the lending process, they do not necessarily require a mortgage loan originator license. For example, renegotiating existing mortgage loan terms or administering loan agreements may not entail originating a new loan. Similarly, providing general advice to non-profits about loans does not fit the criteria defined for mortgage origination activities, which are more focused on the initiation of loan transactions rather than advisory roles. This distinction is crucial in understanding the requirements for obtaining a mortgage loan originator license.