Which of the following is a reason the Commissioner may refuse to issue a mortgage lender license?

The reason the Commissioner may refuse to issue a mortgage lender license due to the financial irresponsibility of the applicant is grounded in the need to ensure that all licensed lenders operate responsibly and ethically. Financial irresponsibility can manifest in various ways, such as a poor credit history, unresolved debt issues, or a history of inadequate financial management. This characteristic raises significant concerns about the applicant's ability to manage a mortgage lending business effectively. By prioritizing financially responsible operators, the Commissioner aims to protect consumers and maintain the integrity of the lending industry.

The other options, while they may be relevant to overall business operations, do not directly pertain to the critical financial and ethical standards required for licensing. For instance, a lack of a marketing strategy could impact business performance but does not reflect the competency or reliability of the applicant. Insufficient experience in lending may be a concern, but it does not inherently indicate financial irresponsibility, which is a fundamental issue in lending practices. Lastly, the method of submitting the application, such as whether it was done electronically, is generally a procedural requirement rather than a reflection of the applicant’s suitability.