“Wholesale lender” means a person who:
1. Holds himself or herself out:
(a) For hire to serve as an agent for any person who has money to lend, if the loan is or will be secured by a lien on real property;
(b) As being able to make loans secured by liens on real property; or
(c) As being able to buy or sell notes secured by liens on real property; and
2. Does not directly:
(a) Take or receive an application from a borrower for a loan which will be secured by a lien on real property; or
(b) Negotiate any terms with a borrower relating to a loan which will be secured by a lien on real property.