1
Bank Earns Floating Rate
1
Customer Pays Fixed Rate
1
No Complicated Swap to Manage
THE PROBLEM

Every bank needs the ability to offer long-term fixed rate loans.

  • Increasing Customer Demand in Low Rate Environments
  • Mitigate Credit Risk
  • Makes Your Bank More Competitive
  • Every Major Bank Offers Long-Term Fixed rates

How We Can Help?

Offering Long-Term Fixed Rates Isn't Easy... That's Why We Created ARC!

Provide Long-Term Fixed Rates while Earning a Floating Rate

*At closing, we fix the note for your borrower with a simple 4-page client addendum written in simple terms

Generate Fee Income

Earn up to 2% of the loan amount that you can recognize as income immediately. Paid to you from us as an ARC referral fee.

No Cost to Use the Program... ever!

There is no cost to sign up for the program and no cost when you book an ARC loan

*Assumable Rate Conversion (ARC) loans are subject to approval by the client bank

See How ARC is Helping Banks Like Yours Win More Loans

All the Benefits of a Traditional Swap Without the Headaches


ARC
TRADITIONAL SWAP
Fee Generation
Swap/Hedge Portability
Hedges for Unique Structures
No Hedge Accounting or Reporting
No ISDA Documentation for Bank or Borrower
No Cash Collateral

  • Eliminates the requirement for your loan officers to explain a complex transaction
  • Puts SouthState’s capabilities to work for you,giving your bank the marketing, sales, data and pricing support to better compete in today's landscape
  • Training provided to all of your lenders
  • The SouthState ARC team can meet in-person with your borrowers anytime

We Are Ready to Help

Contact Your Regional ARC Rep Today

Ed Kofman
Illinois, Michigan, Indiana
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John Brittain
Iowa, Kansas, Minnesota, Missouri, Nebraska, North Dakota, South Dakota, Wisconsin
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Scott Carter
Florida, Alabama
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Nathan Goodnight
Oklahoma, Texas, Arkansas
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Steve Olson
Alabama, Kentucky, Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, Georgia
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Russ Smith
Connecticut, Delaware, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, Rhode Island, Vermont, Virginia, Washington, D.C., West Virginia
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Rick Ruso
Alaska, Arizona, California, Colorado, Hawaii, Idaho, Montana, New Mexico, Nevada, Oregon, Utah, Washington, Wyoming
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