Requiring a Home Buyer to Have a Large Down Payment

Requiring a home buyer to have a large down payment reduces the risk to a mortgage lender because:

A) it means that if the price of the house falls, the owner suffers the loss.
B) the buyer is less likely to sell the house.
C) it means the buyer likely underpaid when she bought the house.
D) it means there is more information available on the buyer.