Credit decision
(iv) Credit decision means a decision regarding whether and under what terms to originate, modify, terminate, or make other changes to a mortgage, including a decision whether to extend new or additional credit or change the credit limit on a line of credit. (v) Mortgage means a transaction in which a mortgage, deed of trust, purchase money security interest arising under an installment sales contract, or equivalent consensual security interest is created or retained in a consumer's principal dwelling. (vi) Mortgage originator means: (A) Any person who, for direct or indirect compensation or gain, or in the expectation of direct or indirect compensation or gain