Final answer:Mainstream lenders include credit unions, which are non-profit entities offering lower interest rates and fewer fees for services like mortgages and auto loans. Credit unions are known for their member ownership, flexible lending standards, and for retaining most of their mortgages, making them a good option for those with less-than-perfect credit. The correct answer to the student question is option c) credit unions.Explanation:Mainstream lenders, such as credit unions, commercial banks, and mortgage brokers, offer standard financial services like mortgages and auto loans. Unlike alternative lenders, which include title loans, rent-to-own retailers, and auto title loan lenders, mainstream lenders are typically more regulated and offer more stable financial products. Credit unions are particularly noted for being non-profit entities, owned by their members, which can offer lower interest rates and fewer fees compared to commercial entities.Credit unions maintain a reputation for being more flexible and may keep a majority of their mortgages, unlike commercial banks which often sell their mortgages to entities like Fannie Mae and Freddie Mac. This could make them a preferable choice for individuals without perfect credit, as they have a higher likelihood of getting approval for loans such as mortgages....

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