A lender practice that would be an indication of predatory lending would be bundling unneeded life insurance premiums into the mortgage.
This is a practice by some lenders where they loan money to people with low credit worthiness with the intention of making back a lot of money from charging those people outrageous interest rates.
When life insurance premiums that are unnecessary are added to the mortgage, it is done to increase the amount that Kristen will pay back. This is therefore predatory lending.
In conclusion, option B is correct.
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