Because Local Banks Earn Fees for Each Loan, Their Role

Because local banks earn fees for each loan, their role to:

A) properly assess the risk of each borrower is misaligned with their incentive.
B) create not many mortgages perfectly aligns with their incentives.
C) provide mortgage loans only to those with low credit scores is misaligned with their incentive.
D) properly assess the risk of each borrower is perfectly aligned with their incentive.