"Loan processors and underwriters" may not:

The ability of loan processors and underwriters to communicate with consumers is a crucial aspect of the mortgage process, which helps in gathering the necessary information for processing loan applications. However, they are restricted from taking part in direct consumer communication that relates to obtaining application information, particularly in a manner that resembles "loan origination." This restriction is in place to ensure that only licensed loan originators handle communications that could lead to a loan being originated.

Loan processors are responsible for gathering and verifying information necessary for the loan application process, while underwriters assess the risk and make decisions based on that information. Their roles involve processing and clerical duties, rather than engaging with consumers in discussions that could imply they are providing loan origination services or advice. Therefore, the prohibition against communicating directly to obtain application information is designed to maintain compliance with regulatory standards and ensure that licensed individuals are responsible for the aspects of the loan origination process that involve consumer interaction. This serves to protect consumers and uphold the integrity of the mortgage industry.