What is the definition of a "residential mortgage loan"?

Under both the SAFE Act and MLOLA, a “residential mortgage loan” is similarly defined to mean any loan primarily for personal, family or household use that is secured by a mortgage, deed of trust or other equivalent consensual security interest on a dwelling or on land on which a person intends to construct a dwelling. A “dwelling” is defined as a residential structure or mobile home which contains one to four family housing units, or individual units of condominiums or cooperatives.