Answer:
Borrowers. 
Explanation:
Borrowers can be defined as a group of people who are willing to pay extra in order to obtain money.
Basically, the amount of money that the borrower is willing to pay back as an additional charge to the amount borrowed from the lender is known as interest. The amount of money being borrowed by the borrower is expected to be paid back at a specific period of time depending on the agreement between the two (2) parties i.e the borrower and the lender. 
Additionally, mortgage loan originator is an individual or institution who is the original lender, ensures the loan falls through and closing it. These mortgage loan originators are usually saddled with the responsibility of persuading and counseling a borrower in getting a mortgage loan.
 
        
             
        
        
        
The correct answer is - (1) rising expanding cooling condensation.
At first there's the evaporation of water, since the water vapor is less dense than the air it rises up and starts to expend as it goes further upwards in the atmosphere. Once it reaches the upper layers of the troposphere than the cooling process starts because the temperature is decreasing with the altitude. Because of the cooling the process of condensation will start taking place and thus the formation of clouds were the water vapor returns to liquid form and creates rain. The cycle repeats its self all the time.
 
        
                    
             
        
        
        
Is that a stament or question?
        
             
        
        
        
An example would be "A very large ice formation that has broken of of Antartica."