In some cases, the failure of a bank could actually lead to lower mortgage rates, particularly if the government steps in to bail out the bank or provide support to the broader financial system.

 This can happen because government intervention can help calm markets and increase investor confidence, leading to lower interest rates across the board.

Overall, the impact of a bank failure on mortgage rates will depend on a variety of factors, including the size and significance of the bank, the condition of the broader economy and financial system, and the response of government regulators and policymakers.

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