Are loans “graded” on a curve? Most lenders would say that they have rigorous standards for evaluting commercial credit requests. In most cases that is true. But some of the aggressive lending shops may grade on a curve. IE if they have 10 credit requests in the house they may pick the top 3 to work on. On another day the bottom 7 may end up in the top 3 for them. I have placed loans with lenders by finding out when they are having a slow time thus getting my deal at the top of their list!
This is also true for examiners, although they also follow standards. Will your loan fail the curve? If banks start exiting poor performing credits will you become one of the bottom credits? You may want to find out where you stand with your financing.