Which action would not constitute unreasonably delaying the processing of a loan application?

The correct answer highlights a situation where a lender fails to process a loan application within a reasonable time frame despite the borrower providing the necessary information promptly. This scenario represents an unreasonable delay because the lender is expected to act on the information provided by the borrower in a timely manner. When borrowers submit all required documentation on time, it places the responsibility on the lender to move forward with the loan processing without unnecessary hold-ups.

In contrast, the other actions listed can be seen as justifiable delays because they stem from circumstances often beyond the lender's control or involve waiting for responses or compliance from the borrower or third-party service providers. For instance, appraisal requirements are crucial for determining the value of the property and could inherently take additional time, especially considering the need for a qualified appraiser. Additionally, waiting for borrower responses to requested documents is a normal part of the loan process where timelines can vary based on borrower availability. Similarly, postponing closing due to incomplete paperwork is necessary to ensure the loan meets all regulatory and compliance standards before finalization. Each of these actions involves procedural steps that are expected in the loan origination process and do not indicate negligence or unreasonable delays by the lender.