perf: Use x.exists() instead of len(x..all()) == 0

[jpmckinney]

Made a PR since a bug in this logic would delete borrower info 😅

[coveralls]

Pull Request Test Coverage Report for Build 10360943767

Details

• 1 of 1 (100.0%) changed or added relevant line in 1 file are covered.
• No unchanged relevant lines lost coverage.
• Overall coverage decreased (-0.006%) to 86.299%

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Totals
Change from base Build 10359861928:	-0.006%
Covered Lines:	1940
Relevant Lines:	2248

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💛 - Coveralls