Which of the following is a potential reason to favor a mortgage banker over a mortgage broker for a buyer with good credit?

Choosing a mortgage banker can be especially advantageous for buyers with good credit because mortgage bankers have direct access to capital and can provide funding options without relying on intermediaries. This direct funding approach means that the loan process can often be faster because there are fewer parties involved, and it enables the banker to tailor loan options more closely to the borrower's needs.

In addition, since mortgage bankers handle the entire lending process in-house, they may offer a more streamlined experience when it comes to processing applications and disbursing funds. Buyers with good credit may especially benefit from this efficiency, as they are often in a stronger position when negotiating terms and receiving favorable loan products.