IN THE TRENCHES: Other lenders feel they can take on "additional risk and be OK" in today's economy, but Security First will stick with its tougher standards in "both good and bad markets," CEO Robb Hemsath says.

Banks Water Down Loan Terms in Quest for Growth

Banks recently had been competing for loans mainly on price. Now, with loan growth anemic, banks are competing on loan structure, doing everything from extending amortization periods to waiving prepayment fees.

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