Final answer:
The Commissioner can refuse to issue licenses in the mortgage or finance field due to contractual, constitutional rights concerns, or if there is evidence of discriminatory loan distribution practices.
Step-by-step explanation:
The Commissioner may refuse to issue a residential mortgage lender, mortgage servicer, or finance lender license for a variety of reasons. These can be due to concerns that the applicant will impair the obligation of contracts, abridge the privileges or immunities of citizens, or deny due process and equal protection of the laws. Additionally, in the context of bank regulation, if there is evidence of discriminatory practices in the distribution of the loans geographically, or based on sex and race of the loan applicants, the Commissioner has grounds to refuse the issuance of a license.