Amends the Mortgage Reform and Anti-Predatory Lending Act, title XIV of the Dodd-Frank Wall Street Reform and Consumer Protection Act, to reverse the exclusion from treatment as a mortgage originator, and recognize as a mortgage originator, an employee of a retailer of manufactured homes who receives compensation or gain for taking a residential mortgage loan application, assisting a consumer in obtaining or applying to obtain a residential mortgage loan, or offering or negotiating the terms of such a loan, if the compensation or gain exceeds that received in a comparable cash transaction.