What is one reason why banks are hesitant to fully engage in the refinancing market?
Plunge in Mortgage Rates Sparks Refinancing Rush

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5 questions
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1.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
They are concerned about hiring and then laying off staff if rates rise again.
They do not have enough capital.
They are focusing on other financial products.
They lack the necessary technology.
2.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
How do negative economic news affect mortgage rates?
They lead to lower mortgage rates, benefiting homeowners.
They have no impact on mortgage rates.
They cause mortgage rates to increase.
They stabilize mortgage rates.
3.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
What percentage of the mortgage market do adjustable-rate mortgages currently represent?
6-7%
10-15%
20-25%
30-35%
4.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
What is a potential downside for investors in mortgage-backed securities when prepayment rates increase?
They face potential losses if bonds pay down faster than expected.
They receive higher returns.
They experience increased demand for their securities.
They gain more control over the securities.
5.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
What is a concern regarding the use of alternative data in credit evaluation?
It is universally accepted as fair.
It is too expensive to implement.
It may introduce biases and amplify inequality.
It simplifies the credit evaluation process.
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