Discounted Rate for Additional Loan Products

Bank is considering offering unsecured loan product that would feature discounted rate for borrowers who have mortgage loan with us, but the product would be available for any who qualified. Same approval parameters for all borrowers.

Document fully the business reasons/necessities for the discount, including marketing, etc. If a majority of your customers who can get the discount are middle age white guys, there could be an issue with disparate impact Many banks offer concessions to customers, you have to document it fully.