Bank have 2 functions. Thye need to originate loans nd they also need to service the loasn. If they do not remain competitive they risk losing the fee income coming in off the loa. So banks will difinitely want to keep these loans on their books. Whether tthe approach is to be proactive by contacting their borrowers or to be reactive by waitive for loan payoffs form a different lender and then offering the loan at the same or better rate for keeping it with that organization.