At FinovateFall in New York City, Chimney™, the two-time Finovate Best of Show winner, unveiled its latest innovation: Property Intelligence, a platform designed to help banks, credit unions, and fintechs turn fragmented property data into actionable insights for home lending growth.

With U.S. homeowners holding a staggering $17.8 trillion in home equity—$11.6 trillion of it considered “tappable”—only 0.41% of that equity was accessed in Q1 2025. Chimney’s platform aims to reverse that trend by accelerating loan closures, saving loan officers 5–10 hours weekly, and unlocking $1M+ in balance sheet growth per month through precision targeting.

“Financial institutions face three critical hurdles today: access to fragmented data, the ability to analyze and share insights, and the capability to act with real-time campaigns,” said Matthew Covi, CEO of Chimney. “Property Intelligence solves all three by providing a complete, accurate property data layer that flows seamlessly across every team and system.”

Data-Driven Lending and Marketing

Property Intelligence enriches CRM and core banking systems with real-time home values, equity insights, and mortgage details. Its competitive intelligence tools reveal where institutions are losing market share and pinpoint opportunities to reclaim it. Predictive refinance and sell scores highlight top prospects, while automated campaigns deliver personalized offers at exactly the right moment. By unifying lending, marketing, business intelligence, and branch operations, the platform ensures all teams work with the same accurate information.

The platform enters a competitive landscape where digital-first lenders are increasingly outperforming traditional banks. By providing community banks and credit unions with tools typically reserved for larger fintechs, Chimney seeks to level the playing field—and perhaps even tilt it in favor of smaller institutions.

Proven Track Record and Industry Recognition

Chimney isn’t new to innovation. Serving over 150 financial institutions and generating 2,000+ loan applications in 2024, the company has already earned Finovate Best of Show awards twice, for its financial calculators in 2021 and Chimney Home in 2023. To kick off the Property Intelligence launch, Chimney is offering qualified institutions a complimentary data analysis of up to 500 addresses, giving banks an immediate glimpse of untapped lending opportunities within their customer base.

As traditional lenders struggle to keep pace with tech-savvy competitors, platforms like Chimney’s Property Intelligence could become essential tools for banks looking to grow their mortgage portfolios without overburdening staff or sacrificing accuracy.