While offering mortgages might (like a traditional bank), the "mortgage-debt industry" profits from transacting on debt (the subprime mortgage crisis was a bett

While offering mortgages might (like a traditional bank), the "mortgage-debt industry" profits from transacting on debt (the subprime mortgage crisis was a better example of this, and while the industry was bailed out the homeowners were not) which ties in with increasing housing costs (for instance, allegations about certain companies buying up housing stock and overpaying strategically to increase valuations) and foments disparities in housing.