.jpg)
For most homeowners, their home is more than a place to live—it's the cornerstone of their financial life. According to Aite-Novarica, 80% of homeowners want help managing their home as a financial asset. That includes knowing when to tap into equity, fund renovations, or refinance.
In 2006, Zillow gave consumers the power to check their home value online—so disruptive it crashed their website for six hours on launch day. Nearly two decades later, most financial institutions—including banks and credit unions—still don’t offer this functionality to their members or customers.
Just as embedding credit scores transformed digital engagement in banking, adding tools like “Track Your Home Value” and “See Available Equity” to digital platforms isn’t just a nice-to-have—it’s a competitive edge. These features deepen relationships, drive loan growth, and unlock new insights.
Chimney Home empowers financial institutions to bring property intelligence directly into their digital banking experience. The result? A smarter, more personalized, and more profitable homeowner relationship—powered by data and delivered within your existing channels.
“Homes are the most valuable financial assets most people will ever own. It makes zero sense that none of the data or insights associated with that asset are available within modern digital banking interfaces.”
— Alex Johnson, Fintech Takes
With a U.S. homeownership rate of 68%, this group represents your most critical retail segment:
But fintechs, personal finance apps, and megabanks are already investing in digital property tools to win these relationships. Chase, for example, highlighted Chase MyHome in a recent update on their $12B annual technology spend.
If traditional financial institutions don’t act, others will.
Credit unions and community banks are built on trust and relationships—but today’s consumers expect more. They want real-time, personalized, mobile-first experiences that help them manage their biggest asset. Relying on loan officers or one-off campaigns isn’t enough.
With Chimney Home, financial institutions can offer homeowners a modern experience that drives revenue, retention, and relevance—without needing to build from scratch. Our tools integrate seamlessly with your digital banking provider, launching in weeks, not months.
The Problem: Fintechs and national banks are winning digital mindshare. Tools like Zillow, SoFi, and Copilot are giving homeowners 24/7 access to property insights, leaving traditional institutions behind.
The Solution: Deliver always-on property insights inside your digital banking platform. Help homeowners track value, equity, and opportunities—so they don’t need to look elsewhere.
The Problem: For every loan acquired, three existing relationships are lost. By the time a marketing campaign reaches a homeowner, they’ve already gone to another site—and been offered competing products.
The Solution: Use AI-powered personalization to keep your institution top-of-mind. Automate alerts, offers, and guidance tied to each homeowner’s unique situation—all inside your app.
The Problem: Lending and marketing teams are wasting time on spreadsheets, manual outreach, and slow processes—while homeowners move on.
The Solution: Use property intelligence and automation to make your team more effective. Reduce friction, enable faster approvals, and free up staff time.
In 2023, Chimney launched My Home Tracker with leading financial institutions experiencing declining home equity market share. The root problem wasn’t lack of demand—it was lack of timely, trusted insight at the moment of need.
ChallengeSolutionLoan officers managing 8,000+ homeowners eachScalable tech replaces manual outreach 24/7Lack of insight into customer equity or loan riskPersonalized dashboards show full financial pictureInefficient marketing campaignsAutomated, data-driven campaigns hit the right members at the right timeHomeowners turning to third partiesProvide tools directly in online and mobile banking
A fully integrated, white-labeled homeowner dashboard for your digital banking app.
Credit unions and banks don’t have to sit on the sidelines while fintechs and megabanks redefine the homeowner experience. You have the trust. Now add the tech.
Let Chimney Home help you unlock the full potential of your homeowner relationships—starting today.
To learn how your bank can achieve similar results and deepen wallet share with a critical customer segment, schedule a free consultation with one of Chimney’s experts today.
.png)
.jpg)