Tag: Loan Optionality | SouthState Correspondent Division

01/21/26

Calculating Loan Prepay Speeds (Part II)

In a recent article (HERE) we discussed the importance of loan prepay speeds. We explained why loan prepayment speed is a major factor influencing a bank’s profitability, how national banks use historical analysis, quantitative modeling, and predictive analytics to structure loans to increase loan retention (decrease loan prepayments). We introduced the crucial factors influencing commercial…

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