Question: How does the originate - to - distribute model in mortgage lending lead to principalagent conflicts? Check all that apply: Mortgage brokers encourage sustainable borrowing

How does the originate-to-distribute model in mortgage lending lead to principalagent conflicts?
Check all that apply:
Mortgage brokers encourage sustainable borrowing habits
Brokers are incentivized to prioritize loan volume over loan quality
Brokers focus on long-term relationships with borrowers
Mortgage brokers have misaligned interests with investors
Investors directly assess the creditworthiness of borrowers
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O Accepi 2012
 How does the originate-to-distribute model in mortgage lending lead to principalagent

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