Rhonda,If a member comes back and wants to lower their rate due to market rates dropping, we do it. The alternative of not doing it is they go somewhere else. I would rather lose a piece of the income than all of it.
As for members who say there score has increased, same applies but we have a 6 month wait on this scenario. So, if we do a loan today, we will not check the score and adjust for at least 6 months.