Which institution makes the largest number of home loans?

The correct choice identifies savings banks as the institution that typically makes the largest number of home loans. Savings banks are specifically designed to accept deposits and make loans, primarily focusing on residential mortgage lending. They often offer competitive loan products and cater to individuals looking to purchase homes. This specialization in home mortgage lending allows savings banks to dominate in volume when it comes to home loans, thus making them a key player in the housing finance market.

While the other options like credit unions, commercial banks, and mortgage brokers also engage in home lending, their focus and scale can vary. Credit unions may provide favorable terms but have a more limited membership base. Commercial banks offer a variety of financial services, which can sometimes lead them to prioritize different types of loans aside from residential mortgages. Mortgage brokers facilitate the loan process for borrowers by connecting them with lenders but do not originate loans themselves in the way that savings banks do. Therefore, the structure and focus of savings banks position them as leaders in home loan origination.