A lender's fair lending testing reveals that loan officers spend an average of 45 minutes with white applicants but only 25 minutes with Hispanic applicants during the application process. All applicants receive decisions within the same timeframe and approval rates are similar. This difference in service time would be considered:

A lender's mobile app prominently displays a 'pre-qualification' feature that asks for minimal information but generates loan amount estimates that are consistently 20-30% higher than what borrowers actually qualify for when they complete full applications. The app includes a disclaimer that estimates are 'subject to full underwriting.' This practice is most likely:

An MLO discovers that multiple loan applications from different borrowers contain identical handwriting in the signature sections, despite different purported signers. The applications were submitted by different real estate agents. What is the most appropriate immediate action?

A mortgage loan originator receives a lead from a real estate agent about a potential borrower. Before calling this consumer, the MLO must:

An MLO tells Asian applicants that they need larger down payments 'because that's what investors prefer for your type of loan,' while telling similarly qualified white applicants that standard down payments are acceptable. This practice represents:

A mortgage company advertises 'Guaranteed approval for all credit types!' but internally has minimum credit score requirements of 580. This advertisement is problematic because it: