Executive Summary
- Total origination revenue for May 2026 reached $114.5M, up 2.3% month-over-month, driven by continued strength in HVAC and Home Improvement product lines.
- HVAC Financing (+12.4%) and Southwest regional volume (+15.7%) are outperforming threshold; Solar & Energy Efficiency (-11.8%) and West region (-12.1%) are flagged for review.
- Four exceptions detected above the 10% variance threshold. No correlated risk patterns identified across flagged categories. Recommend review before EOD.
Revenue Summary — By Product Line
| Product Line |
May 2026 |
Apr 2026 |
MoM Change |
YoY Change |
| Home Improvement Loans |
$42.3M |
$39.1M |
+8.2% |
+14.7% |
|
HVAC Financing
ABOVE THRESHOLD
|
$18.7M |
$16.6M |
+12.4% |
+22.1% |
|
Solar & Energy Efficiency
EXCEPTION
|
$31.2M |
$35.4M |
−11.8% |
−3.2% |
| Roofing & Exteriors |
$14.9M |
$14.4M |
+3.1% |
+9.8% |
| Other Home Projects |
$7.4M |
$7.6M |
−2.3% |
+0.4% |
| Total Originations |
$114.5M |
$112.0M (adj.) |
+2.3% |
+11.6% |
Transaction Volume — By Region
| Region |
Transactions (May) |
Transactions (Apr) |
MoM Volume Change |
Avg. Ticket |
| Southeast |
8,432 |
7,946 |
+6.1% |
$13,580 |
| Northeast |
6,891 |
7,186 |
−4.2% |
$14,920 |
|
Southwest
ABOVE THRESHOLD
|
5,223 |
4,514 |
+15.7% |
$12,210 |
| Midwest |
4,109 |
3,998 |
+2.8% |
$11,740 |
|
West
EXCEPTION
|
3,847 |
4,377 |
−12.1% |
$16,430 |
| Total Transactions |
28,502 |
28,021 |
+1.7% |
$13,870 avg. |
Exceptions & Alerts — Variance >10% Threshold
+12.4%
HVAC Financing — Revenue Outperformance
May 2026: $18.7M vs. April $16.6M · Type: Positive variance · Sector: Seasonal demand acceleration (summer onset)
−11.8%
Solar & Energy Efficiency — Revenue Decline
May 2026: $31.2M vs. April $35.4M · Type: Negative variance · Possible factors: ITC policy uncertainty, contractor pipeline reduction; recommend sales review
+15.7%
Southwest Region — Transaction Volume Surge
May 2026: 5,223 transactions vs. April 4,514 · Type: Positive variance · Correlates with 3 new contractor network activations in AZ/TX
−12.1%
West Region — Transaction Volume Decline
May 2026: 3,847 transactions vs. April 4,377 · Type: Negative variance · CA market softness noted; cross-reference with Solar decline above; possible correlated exposure