This is a practice in banking for over 50 years. It began so areas of the country which have large lending needs or very active lending cap sell their loans to areas of the country that have a slow or low demand. The selling lenders then can continue to meet loan demand with out borrowing which would drive up the cost. The buying lender can then meet it’s investment needs. The only way this idea makes sense if the borrower receives the benefit not the lender.