The principals of Daylight Financial Partners have spent decades executing whole loan transactions and structured lending programs across residential mortgage, HELOC, solar, auto, marine & RV, and consumer credit — over 120 years of combined experience and more than $13 billion in closed transactions with 350+ institutional counterparties. Founded in 1987, Daylight works with credit unions and institutional investors on forward flow programs, portfolio purchases and sales, and participations. A subsidiary of Pointe Marketing Inc.
We source and acquire whole loan assets for credit unions and institutional investors.
We advise sellers through the full disposition process.
Specialized programs and analytics for situations outside standard buy-side or sell-side execution.
40+ years in financial services, specializing in whole loan transactions and structured lending programs. Founded all three Daylight entities and has led hundreds of transactions across residential mortgage, HELOC, solar, auto, marine & RV, personal, and home improvement loans.
Structures and executes consumer loan transactions — forward flow agreements, portfolio purchases and sales, and financing across auto, powersports, unsecured, marine & RV, solar, and home equity. Former VP, Financial Sponsors Group at Barclays Bank.
Leads transaction execution and institutional relationships at Pointe Marketing, focused on loan sale transactions across banks, credit unions, asset managers, and hedge funds. Seven+ years executing across consumer credit asset classes.
Residential solar loans carry four structural characteristics that affect how they perform on a credit union balance sheet.
While some solar lenders filed a UCC-1 fixture filing, collateral position is weak and enforcement uncertain. NCUA capital requirements reflect the elevated risk weight of this paper.
Solar loans were largely originated outside the credit union relationship, so these members tend to have less engagement with the institution.
Credit unions were largely capped at 20-year terms, creating interest rate sensitivity that increases as rates rise.
Solar loans locked at below-market fixed rates yield less than the current cost of funds, reducing net interest margin.
Illustrative example based on a $25,000 solar loan refinanced into a $75,000 home equity loan, including debt consolidation. Daylight calibrates actual figures to your portfolio upon NDA execution.
| Metric | Existing Solar Loan | New Home Equity Loan | Improvement |
|---|---|---|---|
| Loan Balance | $25,000 | $75,000 | — |
| Interest Rate | 2.99% | 6.50% (current market) | +351 bps |
| Term | 20 years | 10–15 years | Duration ↓ |
| Collateral | Unsecured | 1st or 2nd Lien / Real Estate | Secured ✓ |
| Annual Interest Income | $747 | $4,875 | +$4,128 per loan |
| Credit Risk Weight (NCUA) | 100% (unsecured) | 50–80% (secured RE) | Capital Relief ✓ |
| Est. Net Interest Margin | Negative to ~0% | 3.0%–4.5%+ | NIM Improvement ✓ |
| Est. Loss Rate | 2.0%–4.0%+ (unsecured) | 0.25%–0.75% (secured) | Loss Risk ↓ ~85% |
| Member Engagement | Limited (3rd-party orig.) | Full credit union relationship | Deeper Relationship ✓ |
* $75,000 HE balance reflects payoff of the $25,000 solar loan plus consolidation of additional consumer debt at origination. Rate spread: 6.50% − 2.99% = 351 bps.
Daylight reviews the full solar loan portfolio, stratified by rate, term, balance, CLTV, and credit profile.
Daylight originates, processes, and underwrites new home equity loans to your agreed credit metrics.
Approved loans fund through a standardized escrow process, with the credit union and alternative lenders funding their respective buckets.
Daylight retains servicing under a licensed arrangement with documented policies for collections, escrow, and reporting.
Monthly reporting on origination volume, credit metrics, yield, and full portfolio roll-up.
Daylight operates as a third-party service provider under NCUA guidance, with a full vendor due-diligence package to support your oversight obligations.
Member outreach runs through the credit union or under its written authorization. Daylight never contacts members or accesses PII outside a formal GLBA-compliant data-use agreement.
The program originates closed-end second mortgages, not HELOCs. Every loan is subject to TILA/Reg Z, RESPA, and applicable state mortgage-lending statutes.
Daylight services converted loans under a formal servicing agreement, with state servicing licenses and documented policies for collections, escrow, and investor reporting.
All outreach uses CFPB-compliant language. Eligibility criteria apply uniformly, without regard to protected-class characteristics.
Every program vendor meets Daylight's oversight standards and your institution's third-party risk-management framework.
