Which of the following is considered a prohibited practice for a mortgage loan originator?

Engaging in improper or dishonest conduct is considered a prohibited practice for a mortgage loan originator. This is because ethical standards and regulatory requirements mandate that loan originators act honestly and transparently in their dealings with clients. Engaging in dishonest practices can lead to not only legal repercussions but also damage to the reputation of the mortgage profession as a whole. Trust and integrity are fundamental to the relationship between loan originators and borrowers, and any deviation from these principles undermines the essential foundation of the mortgage lending process.

In contrast, completing pre-licensing education, documenting loan transactions accurately, and providing honest loan estimates are all examples of responsible and ethical practices that help ensure compliance with laws and regulations in the mortgage industry. These actions contribute positively to the loan origination process and are essential for building trust with clients.