Who handles Mosaic accounts now
Most former Mosaic loans are now serviced by Solar Servicing LLC, a wholly owned subsidiary of Forbright Bank, which took over Mosaic's servicing operations on September 22, 2025. Payment terms did not change. Solar Servicing says some loans that Mosaic previously sold to investors were moved to a different servicer chosen by that investor, so borrowers should check their latest statement or servicing notice. Mosaic no longer originates loans, and its remaining assets are being wound down by a plan administrator (Olive Advisors, LLC).
Bankruptcy case. Chapter 11, U.S. Bankruptcy Court for the Southern District of Texas (Houston Division), Judge Christopher M. Lopez, case 25-90156 (CML), jointly administered; Solar Mosaic LLC is 25-90155, filed June 6, 2025. Claim deadline: General: October 16, 2025, 4:00 p.m. CT; Governmental: December 3, 2025, 4:00 p.m. CT. Case website and claim forms.
What it means for homeowners
- The bankruptcy did not cancel Mosaic loans; borrowers are told to keep paying on schedule to the servicer named on their account.
- Joinmosaic.com now redirects to Solar Servicing's website, and payment and payoff requests for most former Mosaic loans go to Solar Servicing.
- Claims based on things that happened before June 6, 2025, are handled through the bankruptcy court process; the general claims deadline was October 16, 2025.
- Solar Servicing says the UCC-1 filing is a lien on the solar equipment only, not the home, and that it does not offer loan transfers, so a payoff is usually needed at sale.
- Complaints can go to Solar Servicing Borrower Support, your state attorney general, your state financial regulator (in California, DFPI), or the CFPB.
Dealing with Mosaic?
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Solar Mosaic was one of the lenders that nine state attorneys general asked to pause payments for Pink Energy customers.
Minnesota Attorney General sued Solar Mosaic LLC and three other solar lenders over alleged hidden dealer fees.
California DFPI issued a desist and refrain order alleging Solar Mosaic failed to produce documents during an examination; the order was withdrawn on October 30, 2024.
Mosaic Sustainable Finance Corporation, Solar Mosaic LLC, and three affiliates filed Chapter 11 in the U.S. Bankruptcy Court for the Southern District of Texas (lead case 25-90156).
The court entered the order confirming the Chapter 11 plan (hearing held September 4, 2025).
The plan became effective; Solar Servicing LLC, a Forbright Bank subsidiary, completed its acquisition of Mosaic's loan servicing operations.
General deadline to file proofs of claim.
Governmental deadline to file proofs of claim.
California DFPI issued a desist and refrain order alleging Solar Mosaic's surety bond expired on December 31, 2025, and was not replaced.
California DFPI issued an order summarily revoking Solar Mosaic LLC's California Financing Law license.
Scheduled omnibus hearing on the plan administrator's first objection to certain late-filed and duplicate claims.
Official contacts
Solar Servicing LLC Borrower Support (former Mosaic loans)
Email loanservicing@solarservicingllc.com; option 3 for selling your home; Mon to Thu 8 a.m. to 10 p.m., Fri 8 a.m. to 9 p.m., Sat 8 a.m. to 1 p.m. ET.
Visit the official page (866) 493-6367
Solar Servicing Mosaic transition FAQ
Explains the transition, the payment address P.O. Box 78080, Phoenix, AZ 85062-8080, and borrower portal links.
Visit the official page (866) 493-6367
Kroll claims agent site for the Mosaic bankruptcy
Case documents, deadlines, and claims; international +1 (646) 974-5614 and email mosaicInfo@ra.kroll.com per the Business Wire release.
Visit the official page (833) 953-7040
California DFPI enforcement actions for Solar Mosaic LLC
Lists the 2024 and 2026 orders against Solar Mosaic LLC.
Government actions
Actions by regulators and attorneys general. Lawsuits describe allegations unless a court ruled or the case settled.
- March 2024, Minnesota Attorney General. On March 8, 2024, Attorney General Keith Ellison announced a lawsuit in Hennepin County District Court against GoodLeap LLC, Sunlight Financial LLC, Solar Mosaic LLC, and Dividend Solar Finance LLC. The complaint alleges deceptive trade practices, deceptive lending, and illegally high interest rates, including that the lenders advertised low interest rates while concealing upfront dealer fees of about 15% to 30% on more than 5,000 Minnesota solar loans since 2017 (about $35 million in fees). These are allegations, not findings. Solar Mosaic LLC is a named defendant. Source
- January 2025, U.S. District Court for the District of Minnesota. The case was removed to federal court on April 5, 2024 (No. 0:24-cv-01181). The court denied the State's first remand motion on October 22, 2024, then granted the State's renewed motion on January 16, 2025, after the State's amended complaint dropped the usury count against Dividend, and sent the case back to Hennepin County District Court. No judgment or settlement was found as of November 1, 2026. Source
- November 2022, Nine state attorneys general (led by North Carolina). Sent a letter to Solar Mosaic and other lenders asking them to pause payments and interest for Pink Energy customers whose systems were never installed or did not work. This was a request, not an enforcement order. Source
- September 2024, California Department of Financial Protection and Innovation. Issued a desist and refrain order alleging Solar Mosaic failed to produce documents demanded during an examination. DFPI withdrew the order on October 30, 2024. Source
- April 2026, California Department of Financial Protection and Innovation. Issued a desist and refrain order (April 4, 2026) alleging Solar Mosaic's required surety bond expired on December 31, 2025, and had not been replaced. Source
- June 2026, California Department of Financial Protection and Innovation. Issued an order (June 19, 2026) summarily revoking Solar Mosaic LLC's California Financing Law license, citing Financial Code section 22715. Source
Your options
Sources
- Kroll case site, Mosaic Sustainable Finance Corporation. Court, case number, judge, petition date, bar dates, confirmation and effective dates, plan administrator hearings.
- Debtors' bidding procedures motion (Docket No. 20). Debtor entity names, case number 25-90156 (CML), Oakland service address.
- Business Wire: Mosaic Receives Court Approval of Plan of Reorganization. Plan approval, Solar Servicing LLC as Forbright subsidiary, no change to payment terms, Kroll contact details.
- Solar Power World, Sept. 25, 2025. Acquisition completed; Mosaic winding down remaining assets.
- Solar Servicing corporate FAQ. September 22, 2025 completion, Mosaic no longer originates loans, some loans moved to other servicers, contacts.
- Chapter11Cases.com summary. Forbright Bank as prepetition secured lender and DIP terms (secondary).
- California DFPI enforcement page. List and dates of DFPI orders.
- Minnesota AG release. Solar Mosaic as a named defendant.
About this profile.
Solar Accountability is independent of Mosaic. This page reports public facts from the sources listed and is not legal advice. If something here is out of date, please let us know.