In helping a buyer to select a lender, if the buyer believes he has good credit and his income is documentable as a salary and by tax returns, the licensee might recommend a mortgage banker, instead of a mortgage broker, for all of the following reasons EXCEPT

a) Mortgage bankers offer better interest rates
b) Mortgage brokers may charge higher fees
c) Mortgage bankers provide more personalized service
d) Mortgage brokers have access to multiple lenders