Types of Loan Pools

(Whole or Participations)

Residential Solar Loan Pools

20-25 year terms, average life 7.3 years, super prime homeowners. Whole loans. Forward flow opportunity.  $1-5MM a month depending on geography. Service retained or released.

Buy or Sell Loan Pools

Sometimes as a portfolio grows, your financial institution may look at participating pools out to other institutions to allow more room for growth and additional income. These pools can be up to 95% of the total loan balance and include servicing if allowed by their respective federal and state charters. They may also include servicing to be retained or released by the originating institution.

Depending on the asset type and historical performance, allowing other institutions to participate in loan pools can bring income to the bottom line for both sales and servicing. It also allows financial institutions that do not have strong origination channels or large footprints to hold assets on their books while sharing in the income revenue with little or no work.
If your financial institution would like to discuss the market for buying or selling loan pools, let us connect you with one of our partners (or colleagues).