Ricardo works for Bank B and is talking about loans with a consumer. He provides the consumer with a general explanation regarding the basic qualifications of a loan. Although the consumer plans to pay cash, Ricardo provides the current loan rates as posted on his company's website. He collects a little of the consumer's information and discusses a few possible loan products but no specifics. Since there's no seller financing needed, Ricardo's financial institution is not funding the loan. Is Ricardo performing the services of a loan originator? Explain why or why not