Use the following table to determine what type of financial institution engages in each of the given mortgage market activities. Commercial Banks and Savings Institutions Activity in Mortgage Market Offer instruments to help institutions that invest in mortgages hedge (protect themselves) against large fluctuations in interest rates. Sell shares and use the proceeds to create portfolios consisting of mortgage-backed securities. Originate mortgages by working with borrowers to create loans where the real estate or property is used as collateral for the loan. Purchase mortgages and mortgage-backed securities in the secondary market. 0 U O 0 Credit Unions and Finance Companies C Mortgage Mutual Securities Companies Firms Funds 1 O C U r 0 0 Insurance Companies D U O