A Utah mortgage loan originator may advertise under which name?

• A. Under the MLO's personal name
• B. Under the state's name
• C. Under a generic ad phrase such as 'Mortgage Expert'
• D. Under the name of the entity or a registered branch office or trade name

Answer: (D)

Advertising for a Utah mortgage loan originator must clearly identify the licensee with the business entity that holds the license. Using the entity’s name or a registered branch office or trade name ties the ad to the licensed company, ensuring accountability and allowing consumers to verify licensing. Personal names alone don’t link the ad to the licensed entity, and generic phrases don’t identify who is offering the loan. The idea is to present the advertising under the official entity or its registered branch/trade name, not a personal name or a generic term.