--- title: "Lorraine Stahl" canonical: "https://anchor.is/techcu-rates/team/62" publication: "TechCU Rates" publisher: "TechCU Rates" language: "en-US" guide: "https://anchor.is/techcu-rates/llms.txt" description: "Former sell-side banking analyst turned competitive rate intelligence consultant, with two decades of experience building rate-shop programs for community financial institutions on the West Coast.\n\nKnown for data-first operational deliverables — normalized rate tables, confidence-labeled comparisons, and collection-date discipline — built for Monday pricing committees, not strategy decks." articles: 5 --- # Lorraine Stahl [Read on the website]() Lorraine Stahl spent over a decade as a sell-side analyst covering community banks and credit unions, first at Sandler O'Neill, then at a regional firm focused on Western U.S. institutions. Her quarterly rate-position summaries became trusted competitive references across her coverage universe. After a four-year buy-side stint evaluating deposit stability and pricing discipline at a fixed-income fund holding credit union participation loans, she built a consulting practice providing competitive rate monitoring and pricing committee support. Her writing is flat, precise, and table-driven — structured for operators who read basis points, not narratives. ## Articles - [Loan Rate Observations — Inaugural Baseline, Bay Area and Treasure Valley Candidate Markets]() — Published 2026-08-15 · Format: Loan Position Table - [60-Month Used Auto: Why Two Posted APRs Do Not Yield a Defensible Gap]() — Published 2026-08-15 · Format: Auto Gap Anatomy - [Rate Movement — Collection 2026-08-15]() — Published 2026-08-15 · Format: The Event Log - [Competitor Promotions This Week]() — Published 2026-08-15 · Format: Competitor Promotions This Week - [Standing Certificate Observations — Bay Area and Treasure Valley Candidate Markets]() — Published 2026-08-15 · Format: The Position Table ## More - [Team]() - [Publication guide]()