Who has the ability to originate, sell, and service mortgage loans?

The correct answer is that a mortgage banker has the ability to originate, sell, and service mortgage loans. Mortgage bankers are financial institutions or individuals that fund mortgage loans using their own capital or borrowing from warehouse lines of credit. This allows them to have control over the entire mortgage process, including underwriting, closing, and servicing loans.

In contrast, mortgage brokers act as intermediaries between borrowers and lenders, helping facilitate the loan process but not necessarily holding or servicing the loans themselves. A mortgage loan originator is typically tasked with finding and originating loans but may not have the authority to service them once they are sold. Real estate agents primarily focus on buying and selling properties and do not engage in the origination or servicing of loans. Therefore, among the choices given, a mortgage banker stands out as the one capable of handling all three aspects: origination, selling, and servicing mortgage loans.