originator
noun [ C ]
uk/əˈrɪdʒəneɪtər/ usthe person who first thinks of something and causes it to happen:
There are lots of reasons why the inventor or originator of an idea may not get the lion's share of the rewards.
FINANCE
a person or company that arranges loans or other investments:
loan/mortgage originator
The company is the largest private-sector originator of student loans insured by the federal government.