The lender that provides funds for loans secured by real estate and also manages and reviews the credit and financial information, the property, and the loan application process.

• A. Mortgage lender
• B. Mortgage broker
• C. Real estate agent
• D. Appraiser

Answer: (A)

In mortgage lending, the lender who provides funds for a loan secured by real estate and also handles the loan application process, including reviewing the borrower's credit and financial information and evaluating the property, is the one who underwrites and funds the loan. A mortgage broker acts as an intermediary who helps find a lender and gather documentation but does not itself provide the funds or directly manage underwriting. A real estate agent assists with buying or selling property, not with funding or underwriting. An appraiser determines the property's value but does not fund loans or review credit. So the lender that funds the loan and oversees the application process is the mortgage lender.