Which of the following scenarios is permissible according to the SAFE Act?

An unlicensed assistant to a mortgage loan originator (MLO) conducts MLO activities under the authority of the MLO's unique identifier and licenses.

An MLO who is not licensed in a subject property's state still originates the loan under the authority of the company's license in that particular state.

A third-party underwriter conducts administrative and clerical duties while working under the supervision of a licensed MLO with their organization.

An underwriter who is functioning as an independent contractor conducts administrative and clerical duties while working under the supervision of a licensed MLO.