Which of the following individuals is exempt from obtaining a mortgage loan originator license?

Employees of exempt financial institutions are indeed exempt from obtaining a mortgage loan originator license because they operate within the structure of their organization, which is already governed by regulatory standards that provide oversight for mortgage-related activities. This exemption acknowledges that employees who work for financial institutions that are already subject to federal and state regulation do not need a separate license.

On the other hand, individuals lending money, those negotiating loan terms, and attorneys do not have blanket exemptions. Individual lenders or those negotiating loan terms typically require licensure to ensure that there are protections in place for borrowers and compliance with applicable laws. Attorneys, while they have some exemptions for certain activities related to advising clients or negotiating loans, aren't automatically exempt in all contexts where they may act like a mortgage loan originator. Therefore, the correct answer highlights the specific regulatory structure that permits employees of exempt financial institutions to operate without additional licensure.