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For credit unions, loan participations offer a means of mitigating risk and enhancing returns, while also giving them the ability to diversify their portfolios through collaboration.
A whole loan refers to a single loan issued by banks or other lending institutions that is not broken up for resale in the secondary market. The loan can take many forms, both commercial or consumer-related, including vehicle loans or mortgage loans.
Once a loan is initiated between a lender and the borrower, the lending institution has the option of keeping the loan in-house.