In helping a buyer to select a lender, if the buyer believes he has good credit and his income is documentable as a salary and by tax returns, the licensee might recommend a mortgage banker, instead of a mortgage broker, for all of the following reasons EXCEPT
a) Mortgage bankers often offer lower interest rates.
b) Mortgage bankers provide direct lending services.
c) Mortgage bankers typically have more stringent lending criteria.
d) Mortgage bankers offer a wider range of loan products.