CrediHome
CrediHome is a Brazilian digital correspondent banking platform that aggregates mortgage and home equity credit from seven major partner banks (Bradesco, Itaú, Santander, Creditas, Inter, Bari, Piratini), serving individual borrowers and homeowners through a self-serve multi-bank comparison and origination platform under the Loft umbrella.
- Company typePrivate
- Founded2018
- HeadquartersSão Paulo, Brazil
- Headcount101–250
- GTM typeB2C
- OfferingServices
What CrediHome does
CrediHome is a Brazilian digital platform that operates as a correspondent bancário (banking correspondent) under Banco Central do Brasil Resolução nº 3.954, intermediating real estate financing and home equity credit between individual borrowers and a network of partner banks. Founded in 2018 and headquartered in São Bernardo do Campo, São Paulo, the company offers two core products: Financiamento Imobiliário, a multi-bank mortgage comparison and origination service, and Crédito com Garantia de Imóvel, a home equity product allowing property owners to access up to 60% of property value at lower rates than unsecured personal credit. Its technology stack centers on a digital multi-bank comparison engine that automatically aggregates rates and conditions from partner banks (Bradesco, Itaú Unibanco, Santander, Creditas, Inter, Bari, Companhia Hipotecária Piratini), an online simulator at simulador.credihome.com.br, and a fully digital end-to-end origination workflow that eliminates the need for physical bank visits.
The company operates a self-serve go-to-market motion combined with a B2B partner referral channel targeting real estate brokers and developers, and distributes through content marketing, SEO, and social media (Instagram, LinkedIn, Facebook) as well as a partnerships program. Revenue is generated on a transaction-fee basis through commissions paid by partner banks on successfully closed credit contracts; CrediHome does not lend directly and does not disclose pricing or interest rates publicly. In 2021 the platform closed more than R$ 4.5 billion in real estate credit volume and has cumulatively facilitated over R$ 103 billion in credit proposals. Following its 2022 acquisition by Loft (a major Brazilian real estate technology company), CrediHome rebranded as 'CrediHome by Loft' and its granted credit volume quadrupled, deepening integration with Loft's broader real estate marketplace and extending the platform's distribution and product surface.
CrediHome firmographics
Firmographics- Name
- CrediHome
- Legal name
- CREDIHOME
- Website
- https://credihome.com.br
- Company type
- Private
- Founded year
- 2018
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- CrediHome is a Brazilian digital correspondent banking platform that aggregates mortgage and home equity credit from seven major partner banks (Bradesco, Itaú, Santander, Creditas, Inter, Bari, Piratini), serving individual borrowers and homeowners through a self-serve multi-bank comparison and origination platform under the Loft umbrella.
- Ownership category
- akta.pro rank
Where CrediHome is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Offices1 record
Markets served
CrediHome business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D
Revenue model
- Correspondent Banking Commissions: CrediHome acts as a correspondent bancário (banking correspondent) for partner financial institutions. Revenue is generated through commissions paid by banks (Bradesco, Itaú Unibanco, Santander, Companhia Hipotecária Piratini, and others) when customers successfully complete financing or home equity transactions through the platform. This is a transaction-based revenue model where the company earns a fee per closed credit contract.
Go-to-market motion2 records
Distribution channels2 records
Marketing channels7 records
CrediHome product offering
Product offeringCore offering
CrediHome operates as a digital banking correspondent in Brazil (CREDIHOME, CNPJ 04.113.052/0001-25), intermediating real estate financing (Financiamento Imobiliário) and home equity credit (Crédito com Garantia de Imóvel) by comparing offers from multiple partner banks. The company serves individual consumers seeking property purchase financing or liquidity via property-secured credit, delivering a fully digital platform supported by credit specialists from comparison through contract signing under Resolução nº 3.954 do Banco Central do Brasil.
Product overview
CrediHome by Loft operates as a multi-bank digital platform offering two core products: (1) Financiamento Imobiliário, a real estate financing comparison service that automatically compares rates and conditions across partner banks including Itaú, Bradesco, Santander, Creditas, Inter, and Bari; and (2) Crédito com Garantia de Imóvel, a home equity credit product allowing property owners to access up to 60% of their property value. The platform also includes a partnership program for third-party professionals. As a correspondent bancário, CrediHome facilitates contract processes for these products with partner financial institutions.
Differentiator
Problem solved
Functional benefit
Products and services
- Financiamento Imobiliário (Real Estate Financing) Mortgage financing service that compares offers from multiple Brazilian partner banks (Bradesco, Itaú, Santander, Companhia Hipotecária Piratini, Creditas, Inter, Bari) for individuals purchasing residential property. Customers evaluate interest rates, terms, and conditions through a digital platform with specialist support from comparison through contract signing.
- Crédito com Garantia de Imóvel (Home Equity Credit) Home equity credit service allowing Brazilian property owners to access loans using their property as collateral, with the ability to borrow up to 60% of the property's appraised value. The service compares offers from multiple partner banks to identify the most favorable rates and terms, typically at lower interest rates than unsecured personal credit.
Quantifiable outcome
- More than R$ 103 billion in credit proposals facilitated
- +2 more outcomes
Companies that use CrediHome
Customer profileSegments2 records
Ideal customer profiles2 records
CrediHome technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
CrediHome partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and flagship.
- Banco BradescocoreBanco Bradesco (CNPJ 60.746.948/0001-12) is one of CrediHome's correspondent banking partners. CrediHome acts as a banking correspondent facilitating Bradesco's real estate financing products to customers through the digital platform.
- Banco Itaú UnibancocoreBanco Itaú Unibanco (CNPJ 60.701.190/0001-04) is a major correspondent banking partner. CrediHome facilitates access to Itaú's real estate financing products through its comparison platform.
- Banco SantandercoreBanco Santander (CNPJ 90.400.888/0001-42) is a correspondent banking partner. CrediHome brings customers to Santander for real estate financing products.
- Companhia Hipotecária PiratinicoreCompanhia Hipotecária Piratini (CNPJ 18.282.093/0001-50) is a mortgage company partner. CrediHome facilitates access to Piratini's mortgage products as part of its multi-bank offering.
- CreditascoreCreditas is referenced as a partner bank offering real estate financing through CrediHome's platform. The partnership expands the range of lending options available to customers.
- Inter (Banco Inter)coreBanco Inter is a digital bank partner included in CrediHome's comparison network, offering real estate financing products through the platform.
- BaricoreBari is a partner lender in CrediHome's network, providing real estate financing options accessible through the platform's comparison tools.
- LoftflagshipCrediHome was acquired by Loft and operates as CrediHome by Loft. The acquisition enabled CrediHome's credit volume to quadruple. Loft is a major Brazilian real estate platform, and this partnership provides strategic integration with Loft's real estate marketplace and services.
Scale indicators3 records
Recent moves5 records
Expansion highlights4 records
CrediHome competitors and assessment
Company assessmentDirect peers
- Just: Brazilian credit comparison marketplace connecting borrowers with multiple lenders. Operates an analogous multi-bank aggregation model targeting Brazilian consumers seeking loan products.
- BomPraCrédito: Brazilian online loan broker that aggregates offers from multiple lenders across consumer and secured credit products. Directly comparable intermediation business model and target customer segment.
- Creditas: Brazilian fintech specializing in home equity, auto equity, and payroll-secured credit. Closest direct competitor to CrediHome in Brazilian property-backed lending, serving similar borrowers with secured-loan products.
Broad incumbents
- Santander Brasil: Major Brazilian commercial bank and CrediHome correspondent partner. Comparable as a large-scale mortgage originator with established digital channels competing for the same borrower segment.
- Caixa Econômica Federal: Brazilian federal savings bank and the country's dominant residential mortgage lender. Comparable as the incumbent anchor of Brazilian home financing that CrediHome routes customers to and competes against for borrower attention.
- Itaú Unibanco: Brazil's largest private bank and a CrediHome correspondent partner. Comparable as a major Brazilian mortgage originator with both digital and branch channels serving the same target customer.
- Banco Inter: Brazilian digital bank that is both a CrediHome partner and a direct mortgage originator. Comparable as a digital-first Brazilian lender with growing real estate credit operations.
- Banco Bradesco: One of Brazil's largest banks and a CrediHome correspondent partner. Operates a full residential mortgage business alongside its broader retail banking franchise, representing the incumbent side of CrediHome's marketplace.
- Banco do Brasil: Major Brazilian government-controlled bank with one of the largest mortgage portfolios in the country. Comparable as a large-scale Brazilian mortgage originator serving CrediHome's overlapping customer base.
Emerging players
- QuintoAndar: Brazilian proptech focused on residential rentals and home sales. Adjacent to CrediHome's space as a digital-first real estate platform; competes indirectly for the same end-customer lifecycle moment and could expand into financing.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
CrediHome social profiles
Digital presenceCrediHome compliance and trust
Trust signalCompliance1 record
CrediHome financial estimates
Financial estimateRevenue estimate
Valuation estimate
CrediHome leadership team
Management profileNumber of profiles
Profiles2 records
CrediHome funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
CrediHome M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about CrediHome
What does CrediHome do?
CrediHome operates as a digital banking correspondent in Brazil (CREDIHOME, CNPJ 04.113.052/0001-25), intermediating real estate financing (Financiamento Imobiliário) and home equity credit (Crédito com Garantia de Imóvel) by comparing offers from multiple partner banks. The company serves individual consumers seeking property purchase financing or liquidity via property-secured credit, delivering a fully digital platform supported by credit specialists from comparison through contract signing under Resolução nº 3.954 do Banco Central do Brasil.
Is CrediHome a public or private company?
CrediHome is a private company. It is classified as corporate owned and is currently operating.
When was CrediHome founded?
CrediHome was founded in 2018. It employs 101 to 250 people.
Where is CrediHome based?
CrediHome is headquartered in São Paulo, Brazil, in the Latin America region.
How does CrediHome make money?
One revenue line is on record: correspondent Banking Commissions.
Who are CrediHome's main competitors?
Direct peers on record are Just, BomPraCrédito and Creditas. Broad incumbents are Santander Brasil, Caixa Econômica Federal, Itaú Unibanco, Banco Inter, Banco Bradesco and Banco do Brasil. QuintoAndar is listed as an emerging player.
Does CrediHome have an API?
No public API is recorded for CrediHome.