To help the underwriter assess the quality of the loan, banks and lenders create guidelines and even computer models that analyze the various aspects of the mortgage and provide recommendations regarding the risks involved. Because large securitizers such as the GSEs and other banks are large purchasers of loans from originators, and because many originators lack the balance sheets to hold onto loans for extended periods, automated underwriting guidelines are a crucial determinant of whether a mortgage will be made and at what price.