Which of the following statements is false? a. The process of packaging and/or selling mortgages which are then used to back publicly traded debt securities is called securitization. b. Mortgage payments are higher on a 15-year fixed rate mortgage than on a 30-year fixed rate mortgage, and less interest is paid on a 15-year mortgage than on a 30-year mortgage, ceteris paribus. c. With a fixed rate mortgage the borrower bears the interest rate risk and with an adjustable rate mortgage the lender bears the interest rate risk. d. In general, mortgage companies service more mortgages than they originate.