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Banker's Loan Processing
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Banker's Loan Processing ("BLP") is an outsourced solution that allows a borrower's loan payments to be fixed, while your bank receives a floating rate to better match funding sources. Under the program, your bank provides all loan servicing and remains the primary borrower contact point. We handle all hedging activities on our own books so you don't have to.
Demand from community banks pushed us to create this enhanced loan hedging program and even more details follow:
BLP utilizes your loan origination and credit underwriting documents, keeping the process simple and consistent with your current practices.
Loans acceptable under the program include those with a maturity of up to 20 years; individual loan amounts as large as $50mm or as small as $500k; LTVs up to 85% and debt coverage minimums between 1.10X to 1.35X, depending on loan type. To qualify for the program, loans must contain prepayment language.
Acceptable real estate property types include: multifamily, hospitality, self storage, industrial, office or retail.
All up-front fees that are collected are retained by you.
How it Works
Pacific Coast Bankers' Bank
1676 N. California Blvd.
Walnut Creek, CA 94596