rates 
South State Correspondent
APRIL 22, 2024
In a few short months, stronger economic data (higher GDP, stronger job market, and stubborn inflation) changed the market’s and the Fed’s view on the future path of interest rates. The market and the Fed are now aligning on only one rate cut in 2024 – obviously this will change over the course of the year as the economic data evolves.
South State Correspondent
JANUARY 30, 2024
A typical current strategy for community banks when originating commercial real estate loans is to offer floating-rate loans or shorter-term adjustable structures. Borrowers are waiting for the Fed to lower short-term interest rates, hopefully translating into a refinancing opportunity for the borrower at a lower loan rate.
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Payments Dive
MARCH 19, 2024
Automated payments volume processed by The Clearing House grew at a faster rate than at the Federal Reserve last year.
South State Correspondent
FEBRUARY 18, 2024
The bank offered a 25-year amortizing loan with a ten-year term and required the borrower to hedge its interest rate risk. Assuming that an interest rate swap was executed with Bank at today’s rate, the interest rate swap fixed rate would be 3.81%, and Borrower’s synthetically fixed rate for the loan would be 5.81%.
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They will delve into critical aspects of managing default rates in today’s dynamic lending landscape, including the formidable task of managing default rates across diverse states, each with its own legal intricacies and restrictions.
Abrigo
MARCH 21, 2023
Strategies for earning more in rising rates Financial institutions need to be intentional with funding strategies and loan pricing models. You might also like this video on managing interest rate risk. The graph below shows the stepwise increase in the federal funds target rate from Jan. 4.75% over the course of 2022 and 2023.
South State Correspondent
OCTOBER 23, 2022
In the last 12 months, the Federal Reserve went from arguing that inflation was a transitory phenomenon to raising interest rates to fight runaway inflation by three percent in just six months. The result is not only higher rates but the most severe interest rate hiking cycle in the past 35 years – and it is not over yet.
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At the same time, the federal government is taking steps to curb inflation by raising interest rates. It's becoming harder to make informed decisions about where rates might go. For banking and housing experts, it’s no secret that the demand for affordable housing hasn’t slowed down. Check out the surprising facts right here.
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