Property Intelligence Ultimate Guide: Everything You Need to Know

More Loans. Less Guesswork. Meet your new real estate growth engine.

Table of Contents

1. Introduction
2. Why Property Intelligence?
3. The Platform in Action
   • Every Team. One Foundation.
   • Every System. Fully Enriched.
   • See the Competition Clearly.
   • Segment Smarter.
   • Anticipate with Predictive Scoring.
   • Target the Right Products.
   • Trigger Real-Time Campaigns.
4. ROI You Can See
5. What’s Next
6. Final Word

Introduction

For decades, the credit score has been the single biggest innovation in lending — reshaping how banks, credit unions, and fintechs evaluate risk and approve loans. Today, we’re entering the next era.

Property Intelligence is the biggest breakthrough in real estate lending since the credit score.

Traditionally, property data has only been available after someone applies for a loan. That means lenders are stuck waiting until underwriting to understand home values, equity positions, or mortgage details - long after someone has already decided where to apply.

Chimney's Property Intelligence changes everything. For the first time, financial institutions can access a comprehensive, up to date, accurate property dataset that covers 98% of U.S. homes - long before an application is submitted.

This means your institution can:

• Win more loans with less effort by knowing which members are ready to refinance, tap equity, or purchase before they shop around.
• Improve lending and marketing efficiency by understanding who is likely to take out a loan and getting that data across every team and every system.
• Act in real time, launching campaigns at the moment opportunity strikes instead of waiting for applications to trickle in.

The result: lenders move from being reactive to truly predictive - engaging members at the right moment, with the right product, before competitors ever get the chance.

Why Property Intelligence?

Homeownership is the largest source of wealth in America and real estate loans are core to every financial institution’s balance sheet. But today, winning and keeping those loans has never been harder.

• Retention is at all-time lows even while home equity is at all-time highs.
• Competitors like Rocket and Zillow have mastered the art of using data to grow market share.
• Teams inside financial institutions are siloed, relying on incomplete tools like credit reports, Zillow lookups, and fragmented county records.

Property Intelligence solves the three biggest barriers to lending growth:

1. Access – Comprehensive, accurate property data in one place. Every team. Every system.
2. Analyze – Tools for every team to interpret and share insights. Predictive borrower profiles.
3. Act – Real-time campaigns that turn insights into funded loans. Automated campaigns.

The payoff is simple: 1 in 500 people engaged through Property Intelligence fund a loan. That translates into millions added to your balance sheet every single month.

The Platform in Action: Features & Benefits

Property Intelligence combines public records, mortgage data, and behavioral signals into a complete lending profile. With 98% coverage of U.S. homes, refreshed monthly, and built-in confidence scoring, this is the most comprehensive property intelligence platform available to financial institutions.

Here’s how it works:

Every Team. Informed and Ready.

Unify All Teams with a comprehensive and flexible property data layer.
Branch, Call Center, Loan Officers, Sales, Marketing, BI....everyone access a complete picture of every borrower. No silos. No guesswork. Just one source of property data across your institution.

Every System. Fully Enriched.

Append Property Intelligence to your existing data.
From CRM to core systems, instantly enrich every record with home values, equity %, mortgage details, and more.

See the Competition Clearly.

Identify Competitive Loans, terms, and rates.
Spot exactly who holds your member’s mortgage today, their rate, and their term -and focus your conquest campaigns with confidence.

Segment Smarter.

Build Precise Segments in seconds.
Filter for equity-rich homeowners, refi-ready members, or likely sellers. No more mass blasts - every campaign is targeted and effective.

Anticipate with Predictive Scoring.

Refi, Equity, and Sell Likelihood scores.
Go beyond filters. Predictive scores show you who’s most likely to refinance, tap equity, or sell their home —-before they even ask.

Target the Right Products.

Tie insights directly to HELOCs, HELOANs, Refis, and Mortgages.
Property Intelligence doesn’t just show you opportunities - it maps them directly to your lending strategy.

Trigger Real-Time Campaigns.

Engage members at the perfect moment.
When equity milestones are hit, when rates drop, when new listings appear - Property Intelligence fires campaigns instantly across email, SMS, and push.

ROI You Can See

With Property Intelligence, your teams get more than data - they get the gift of time.

• Save 5–10 hours a week per loan officer by eliminating manual research.
• Average $50,000 - $75,000 loan size produced from Chimney users
• Cut loan closing times in half by starting with complete, enriched profiles.
• Deliver predictable ROI — with 1 in 500 engaged members funding a loan, a portfolio of 10,000 homeowners translates into $1M+ per month in new lending opportunities.

What’s Next

Chimney will be demoing Property Intelligence live on stage at Finovate, where cofounder Chase Neinken will showcase how the platform powers the modern growth engine for real estate lending.

To celebrate the launch, we’re offering a free property data analysis of up to 500 addresses so you can see the power of Property Intelligence firsthand.

👉 Request your free analysis

👉 View Press Release