old active Bank loan requesting updated tax return/income

[Marina Loos]

Last year I took out a loan from a bank using one of my properties that had no mortgage on it. It's a fixed loan with fixed payments. It was to pay emergency bills. I only have a few years to pay it off as everything is going smoothly right now.

I just received a letter from the bank stating they are updated their files and are requesting from me, an updated completed tax return and / or income statement.

I do have several more years on the loan but  plan on paying it off as early as I can.

I've taken out loans in the past and have never had to update tax returns to any of them so I'm curious as to why they would need it unless they plan on lowering my interest rate. I have had no missed payments, no late payments, and always pay more than the minimum. I am actually up on my payments.

Of course I will call them and ask this coming work week but I would like a more "authentic" outside view point from anyone who's experienced this and why. 

Thanks. I'd appreciate any opinions, advise.