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As homeowner expectations evolve and digital channels become the primary point of engagement, financial institutions face a pivotal moment: either step into the homeowner’s financial life - or risk losing them to faster, more data-driven competitors.
Our recent webinar with Alkami brought this challenge to the forefront, offering a clear roadmap for FIs looking to modernize their home-lending strategy through digital tools, actionable property data, and always-on engagement.
This discussion underscored the shared commitment between Alkami and Chimney to help financial institutions compete and win in a market increasingly dominated by non-banks and digital-first lenders.
2/3 of account holders own a home, yet only a small percentage hold their mortgage or home equity loan with their primary institution. As our Co-Founder Matt Covi highlighted, this silent attrition represents millions in lost loan opportunities each month. Retention and recapture are now core strategic priorities.
The conversation emphasized three themes shaping the next era of lending:
These elements are no longer optional, they’re the new baseline for competing in today’s lending landscape.
A standout moment of the webinar was the walkthrough of My Home Tracker, Chimney’s embedded homeowner dashboard. By delivering home value, tappable equity, borrowing power, and personalized loan options directly inside digital banking, institutions can finally support the most important part of a homeowner’s financial life.
Real-world results show the impact: increased digital engagement, higher retention, and meaningful loan volume influenced within months of launch.
A spotlight on Mountain America Credit Union illustrated how quickly digital homeowner tools can move the needle. With minimal lift, the credit union saw millions in loan volume, strong monthly engagement, and a measurable increase in borrower retention - even in a challenging rate environment.
Financial institutions looking to compete in the next era of home lending must reimagine their digital strategy around homeowners. Embedding real-time data, enabling personalized guidance, and automating outreach are essential steps toward building deeper, long-lasting relationships.
This webinar delivered a clear message: the future of home lending belongs to institutions that embrace digital tools and property intelligence to meet homeowners where they are. The path forward is both achievable and impactful, and Chimney stands ready to help FIs unlock this opportunity.
Dive deeper into the insights and learn how your institution can put these strategies into action. If you're ready to explore what’s possible with Chimney, we’re here to help guide the way.
👉 Watch the Webinar: Winning the Next Era of Home Lending
👉 Schedule a Demo with Chimney - Explore how Property Intelligence & My Home Tracker can transform your homeowner engagement strategy.
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