True and False Questions (no need of explanation). Please answer all three, otherwise would have to put thumbs down. Ple

[answerhappygod]

True and False Questions (no need of explanation). Please answer
all three, otherwise would have to put thumbs down. Please help me
out please...
21. According to Mian and Sufi (2009), a decrease in
interest rates cannot fully explain the increase in subprime
mortgages in the early 2000s.
22. According to Mian and Sufi (2009), an increase in
the credit supply leads to an increase in the fraction of credit
applicants being denied.
23. The mortgage yield (actual borrowing interest rate)
with loan closing costs increases if the borrower prepays the
loan.