Who invented mortgage-backed securities?

Who exactly can we attribute the invention of mortgage-backed securities to? Was it a solitary genius who came up with the concept in a eureka moment, or was it a collaborative effort by a team of financial experts? And what motivated them to create such a complex financial instrument in the first place? Did they foresee the potential risks associated with it, or were they blinded by the prospect of generating significant returns? It's fascinating to ponder the origins of such a fundamental part of modern finance, and I'm eager to learn more about the individual or individuals who were responsible for its creation.