443.713.  Findings required for licensure. — The director shall not issue a mortgage loan originator license unless the director makes, at a minimum, the following findings:

  (1)  The applicant has never had a mortgage loan originator license revoked in any governmental jurisdiction; except that, a subsequent formal vacation of such revocation shall not be deemed a revocation;

  (2)  The applicant has not been convicted of or pled guilty or nolo contendere to a felony in a domestic, foreign, or military court:

  (a)  During the seven-year period preceding the date of the application for licensing and registration; or

  (b)  At any time preceding such date of application, if such felony involved an act of fraud, dishonesty, or a breach of trust, or money laundering; and

  (c)  Provided that any pardon of a conviction shall not be a conviction for purposes of this subdivision;

  (3)  The applicant has demonstrated financial responsibility, character, and general fitness such as to command the confidence of the community and to warrant a determination that the mortgage loan originator shall operate honestly, fairly, and efficiently within the purposes of sections 443.701 to 443.893;

  (a)  For purposes of this subdivision, an individual has shown that he or she is not financially responsible when he or she has shown a disregard in the management of his or her own financial condition.  A determination that an individual has not shown financial responsibility may include, but not be limited to:

  a.  Current outstanding judgments, except judgments solely as a result of medical expenses;

  b.  Current outstanding tax liens or other government liens and filings;

  c.  Foreclosures within the past three years;

  d.  A pattern of seriously delinquent accounts within the past three years;

  (4)  The applicant has completed the prelicensing education requirement described in sections 443.701 to 443.893;

  (5)  The applicant has passed a written test that meets the requirements described in sections 443.701 to 443.893;

  (6)  The applicant or the applicant's employer has met the Missouri surety bond requirement under sections 443.701 to 443.893.