Who is considered an employee in the context of mortgage lending?

In the context of mortgage lending, an employee is typically someone who works directly for an employer and is under their supervision, meaning they perform tasks according to the employer's direction and policies.

The option identifying an employee of a municipality involved in housing programs fits this definition well. This individual is part of a structured organization (the municipality) and is likely to be working under defined roles and guidelines related to housing initiatives, including mortgage lending processes and compliance with relevant laws.

In contrast, individuals working independently, such as those who operate without supervision or self-employed mortgage brokers, do not exemplify the traditional employer-employee relationship, where accountability and job duties are clearly defined by a supervising body. A licensed attorney not providing mortgage services also does not fit the employee definition significantly, as their role may be independent and geared towards legal advice rather than direct mortgage lending operations. Therefore, option C accurately reflects the characteristics of an employee within the mortgage lending context.