This study looked at how mortgage brokers affect how much money people borrow to buy a house. They found that even though brokers get paid more when borrowers take out bigger loans, brokers don't always push borrowers to borrow more. Even when the risk of the loan is taken away with insurance, brokers still don't make borrowers borrow more. This shows that banning commission-based incentives for brokers might not change how much people borrow for a house.