Our credit union originated a home equity loan for a member to consolidate debt. Typically, when there are two borrowers, we utilize the lower of the credit scores for pricing. The co-borrower's score would have given them a higher rate, so we made an exception to utilize the higher score for pricing to give the borrower a better rate. By doing this, we reduced the amount of interest/profit our credit union would have received over the life of the loan by more than $3,500. This solidified the member's belief that we truly put people before profit.