Final answer:
A processor or underwriter (UW) working directly with a lender as an independent contract employee would typically require a mortgage originator's license. Employees of a bank or lender and owners of mortgage companies are usually covered by the company's licenses.
Step-by-step explanation:
Among the listed options, the role that would typically require a mortgage originator's license is:
C. A processor or UW that works directly with a lender as an independent contract employee.
Mortgage originators are individuals who assist potential borrowers in applying for and securing a mortgage. They often work directly with borrowers throughout the loan application process. Since independent contractors are not employees of the banks or lenders, they usually need to be licensed as mortgage originators to operate legally. In contrast, employees like a closing supervisor, a processor, or underwriters (UW) working for a bank or a mortgage company owner may not need this specific license as they are covered by the company's licensing.