; and (II) originated fewer than 25,000 mortgage loans in the preceding calendar year or originated a gross mortgage loan origination volume of less than $5,000,000,000 in the preceding calendar year; or (ii) in the case of a person other than a depository institution— (I) has net worth of less than $50,000,000; and (II) originated fewer than 25,000 mortgage loans in the preceding calendar year or originated a gross mortgage loan origination volume of less than $5,000,000,000 in the preceding calendar year; and (B) had mortgage loan originations in the preceding three calendar years that consisted of 95 percent qualified mortgages when measured by either— (i) the number of mortgage loans originated; or (ii) the dollar volume of mortgage loans originated. (31) Responsible community mortgage lender The term responsible community mortgage lender means a community mortgage lender who has not been found by a court of competent jurisdiction to have violated the law, or been subject to a cease and desist order, relating to its mortgage loan originations— (A) during the preceding two years; or (B) since such person began originating mortgage loans, if such period is less than two years. (32) Mortgage loan The term mortgage loan means a loan secured by a first lien on a 1–4 unit family residence. (33) Qualified mortgage The term qualified mortgage — (A) has the meaning given that term under section 129C(b)(2) of the Truth in Lending Act; and (B) includes loans insured, guaranteed, or administered by— (i) the Department of Housing and Urban Development, with regard to mortgages insured under the National Housing Act ( 12 U.S.C. 1707 et seq.); (ii) the Department of Veterans Affairs, with regard to a loan made or guaranteed by the Secretary of Veterans Affairs; (iii) the Department of Agriculture, with regard to loans guaranteed by the Secretary of Agriculture pursuant to section 502(h) of the Housing Act of 1949 ( 42 U.S.C. 1472(h) )