Tennessee. The state Department of Financial Institutions has adopted rules prohibiting mortgage licensees and registrants from doing business with an unlicensed “individual mortgage originator.” The rules require that licensees and registrants must first have the originator registered before they can retain his or her services. The revised “Residential Lending, Brokerage and Servicing Act” defines a mortgage loan originator as “an individual who processes, places, negotiates or originates mortgage loans for others, or offers to…