Final answer:
A Mortgage Administrator would be governed federally by OSFI, while mortgage brokers, agents, and representatives are usually regulated by provincial authorities.
Step-by-step explanation:
The institution that would be governed federally under the Office of the Superintendent of Financial Institutions (OSFI), and not by the provincial regulator, is the Mortgage Administrator. OSFI is responsible for regulating federally registered banks and insurers, trust and loan companies, as well as private pension plans subject to federal oversight, which includes mortgage administrators. Meanwhile, mortgage brokers, mortgage agents, and mortgage representatives typically fall under the jurisdiction of provincial regulators.