3. (18 points) Consider a local community bank such as the Lyons National Bank (LNB) that focuses on area residential and business customers. Much of its loan activity involves originating small business and home mortgage loans for these customers. Suppose the Lyons National Bank decided to securitize $20 million in home mortgage loans that it is currently carrying on its books. What is a type of financial firm that could serve as a "shadow bank" in this securitization process? What role would this financial firm play in the process of securitizing this $20 million of loans (i.e. what is a transaction that it would engage in as part of the securitization process)? Are individuals seeking home mortgage loans in this local market made better off or worse off if local banking institutions regularly make their home mortgage loans available for securitization? Explain