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

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

All the Benefits of a Traditional Swap Without the Headaches

Fee Generation
Swap/Hedge Portability
Hedges for Unique Structures
No Hedge Accounting or Reporting not checked
No ISDA Documentation for Bank or Borrower not checked
No Cash Collateral not checked

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