Hawaii Revised Statutes Division 2. Business § 454F-25

(1) The employee's actions are part of the employee's duties as an employee of the nonprofit organization;

(2) The employee only provides mortgage loan originator services with respect to residential mortgage loans with terms favorable to the borrower; and

(3) The nonprofit organization maintains a valid registration as a nonprofit organization in NMLS and a unique identifier through NMLS.

(1) The interest rate that the home loan would carry;

(2) The charges that are imposed on the borrower for origination, application, closing, and other costs;

(3) Whether the mortgage includes any predatory characteristics;

(4) The borrower's ability to repay the loan; and

(5) The term of the mortgage.

(1) The maintenance of all records, contracts, and documents of the nonprofit organization relating to mortgage loan origination activity;

(2) All mortgage loan originator agreements and mortgage loan documents and the handling of these documents by the nonprofit organization's employees, or by independent contractors located at or working out of the nonprofit organization; and

(3) All employees of the nonprofit organization, and all independent contractors of the nonprofit organization located at or working out of the nonprofit organization, who are working on or handling mortgage loan origination activity of the nonprofit organization.