Which of the following is NOT a source of mortgage funding?

Retail shops are not a source of mortgage funding because their primary business model does not involve financial services or providing loans. Retail shops generally focus on selling goods or services directly to consumers and do not have the infrastructure or regulatory framework necessary to offer mortgage products.

In contrast, entities like credit unions, life insurance companies, and trust companies are specifically structured to provide financial products, including mortgages. Credit unions are member-owned financial institutions that often offer competitive mortgage rates. Life insurance companies can provide mortgage funding by using the premiums collected from policyholders to invest in various securities, including mortgage loans. Trust companies, which manage assets on behalf of clients, can also provide mortgages as part of their fiduciary services. Each of these institutions plays a significant role in the mortgage lending market, making them reliable sources of mortgage funding.