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Hudson City Bancorp, Inc. Message Board

  • ryanruiz100 ryanruiz100 Aug 10, 2010 11:57 AM Flag

    Early payments of loans

    What is the likelyhood of HCBK having to revise earnings/getting hit hard based on people paying their mortgages off early? If people are refinancing at these low rates, we could see some loans paid off quickly? I know this happened some last quarter which slowed asset growth, I expect it to continue as interest rates drop (HCBK said they were going to slow growth if they cannot find profitable growth due to interest rates being so low, so this will compound the slowing of asset growth). Does HCBK recognize revenues in such a way we could get hit hard with refinancing? I know it has been a problem for certain financial companies in the past.

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