We have employees registered as MLO to perform the task of the initial disclosures and discuss the programs available with the applicant. After the initial disclosures are provided and customer accepts the terms, we forward the package to a loan officer that takes care of submitting it to our credit dept.for underwriting and presents it to the committee for approval. Does that lender who is also the lender to be assigned to the loan if approved need to also be an MLO?