Which of the following is not a prohibited practice in mortgage lending?

Collecting mortgage broker fees after a conditional commitment is obtained is not considered a prohibited practice in mortgage lending. This practice can occur if the broker provides the necessary services and has a legitimate agreement with the borrower regarding the payment of fees after that commitment has been secured. The legality of charging fees typically hinges on the terms of the agreement and the timing of the services provided.

In contrast, the other options mentioned involve practices that are clearly unethical or illegal in the mortgage lending industry. Delaying the closing of a mortgage loan to increase costs or fees is a manipulative tactic that harms borrowers and violates principles of fair lending. Similarly, failing to disburse funds in accordance with a written commitment undermines the trust and expectations set during the lending process, making it a serious breach of professional conduct. Thus, the focus on the conditions surrounding the collection of fees clarifies why the first option does not fall under prohibited practices.