Coalition for Home Equity Partnership

What Coalition for Home Equity Partnership does

The Coalition for Home Equity Partnership (CHEP) is a national non-profit trade association representing financial services companies that offer shared equity products (SEPs) in the United States. SEPs are financial instruments in which homeowners receive a lump sum payment in exchange for a set percentage of their home's future value, subject to a safety cap, allowing homeowners to access home equity without taking on additional monthly payment obligations. CHEP's core mission is industry advocacy, specifically championing a tailored regulatory framework for SEPs rather than the application of existing mortgage regulations, and recommending standardized disclosures, homeowner protection caps, and state licensing requirements.

CHEP does not originate SEPs itself or sell a technology product; rather, it functions as the collective voice for its members. The association was founded with three founding members—Hometap Equity Partners, LLC, Point Digital Finance, Inc., and Unlock Technologies, Inc.—which between them originated approximately 54,000 SEP agreements between 2015 and 2025. In April 2026, Splitero, Inc. was added as an Executive Board Member, expanding the association's roster. CHEP has been active in legislative matters, including commentary on Maine's L.D. 1901 enacted April 13, 2026, which established comprehensive shared appreciation mortgage regulations.

The association's revenue model and pricing details are not publicly disclosed; as a 501(c)(6)-style trade body, it is funded through member dues and governed by board representation from its member companies. CHEP's value to its members centers on regulatory advocacy, industry coordination, and the production of third-party-validated research, notably an Urban Institute study analyzing the 54,000 SEP agreements. Underlying market momentum is supported by a 35% mortgage application denial rate in 2024 and the finding that 63% of CHEP member customers used SEP proceeds primarily to pay down high-cost debt.

Name

Coalition for Home Equity Partnership

Legal name

Coalition for Home Equity Partnership

Website

https://homeequitypartnership.org

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

1–10 employees

Short description

CHEP is a U.S. national non-profit trade association representing financial services companies that offer shared equity products, advocating for tailored SEP regulation and industry standards on behalf of its member originators.

Ownership category

akta.pro rank

Product category

Trade Association / Industry Advocacy

akta.pro primary industry

Cooperative Banks (Member-Owned Commercial/Retail) (FSABAEAF)

akta.pro secondary industry

Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops) (FSABAEAL)

Keywords

• Home equity products
• Shared equity advocacy
• Trade association services
• Alternative home financing
• Industry regulatory advocacy

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Core offering

Coalition for Home Equity Partnership is a national non-profit trade association representing financial services companies that offer shared equity products (SEPs). Through member representation, regulatory advocacy, and industry promotion, CHEP supports SEPs — financial products in which homeowners receive a lump sum payment in exchange for a set percentage of their home's future value with a safety cap — as an alternative to traditional mortgage financing. The association itself does not originate SEPs; it represents the founding and executive board member companies that do.

Product overview

Coalition for Home Equity Partnership (CHEP) is a national non-profit trade association representing financial services companies that offer shared equity products (SEPs). CHEP does not offer its own product; rather it represents its founding members (Hometap Equity Partners, LLC, Point Digital Finance, Inc., and Unlock Technologies, Inc.) and Executive Board Members (Splitero, Inc.) who originate SEPs. SEPs enable homeowners to access their home equity without taking on additional monthly payment obligations.

Differentiator

Problem solved

Functional benefit

Products and services

• Shared Equity Products (SEPs) — Industry Representation CHEP's core product is its industry representation, regulatory advocacy, and policy work on behalf of shared equity product (SEP) originators. SEPs are financial products where homeowners receive a lump sum payment in exchange for a set percentage of their home's future value with a safety cap, serving homeowners who face mortgage denials or prefer not to take on additional monthly payment obligations. CHEP's member companies have originated approximately 54,000 SEP agreements between 2015 and 2025.
• Regulatory Advocacy and Legislative Engagement Services CHEP provides regulatory advocacy and legislative engagement services to its members, advocating for a tailored regulatory framework specific to shared equity products rather than applying existing mortgage regulations. This includes recommendations for standardized disclosures, homeowner protection caps, and state licensing requirements, with active engagement on legislation such as Maine's L.D. 1901.

Quantifiable outcome

• 35% mortgage denial rate in 2024 for traditional mortgage applications
• +1 more outcomes

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core.

• Splitero, Inc.coreStrategic or Co-development Partner · 13 April 2026Splitero, Inc. was added as a new Executive Board Member to CHEP. Splitero is a leading originator of home equity investments where homeowners receive a lump sum payment in exchange for a set percentage of their home's future value with a safety cap. Splitero's general counsel John Pingel joined the CHEP Board of Directors.
• Hometap Equity Partners, LLCcoreStrategic or Co-development PartnerOne of CHEP's three founding members. Represents a financial services company offering shared equity products.
• Point Digital Finance, Inc.coreStrategic or Co-development PartnerOne of CHEP's three founding members. Represents a financial services company offering shared equity products.
• Unlock Technologies, Inc.coreStrategic or Co-development PartnerOne of CHEP's three founding members. Represents a financial services company offering shared equity products.

Scale indicators3 records

Recent moves1 record

Expansion highlights3 records

Broad incumbents

• National Association of REALTORS (NAR): The largest U.S. trade association for real estate professionals. Comparable to CHEP as a real-estate-related advocacy body that influences home-equity financing policy and consumer home-buying decisions, though NAR's focus is broader (transactions, brokerage).
• Consumer Bankers Association (CBA): A trade group representing retail banks and consumer-lending businesses. Comparable to CHEP as a financial services advocacy association focused on consumer credit products, though CBA members are depository institutions rather than SEP originators.
• American Financial Services Association (AFSA): A trade association for consumer finance companies, including installment lenders and home-equity providers. Comparable to CHEP as a member-driven financial services advocacy organization, though AFSA covers consumer credit products more broadly.
• Mortgage Bankers Association (MBA): The national association representing the real estate finance industry, including mortgage originators, servicers, and investors. Comparable to CHEP as a mortgage/home-equity lending advocacy body, though MBA represents traditional mortgage products rather than shared equity.
• American Bankers Association (ABA): The largest U.S. banking trade association representing banks of all sizes. Comparable to CHEP as a financial services advocacy organization, though broader in scope (commercial banks, mortgage lending) rather than focused exclusively on shared equity products.

Direct peers

• Housing Policy Council (HPC): A nonpartisan mortgage finance policy organization whose members include lenders, servicers, and housing finance investors. Comparable to CHEP as a coalition advocating for tailored housing-finance regulation, though HPC focuses on the GSE/mortgage finance system rather than SEPs.
• Structured Finance Industry Group (SFIG): A membership-based industry group for structured finance and securitization markets. Comparable to CHEP as a trade association convening financial services firms to set standards, advocate on regulation, and provide member education in non-bank credit products.
• Innovative Lending Platform Association (ILPA): A fintech and online lending trade association representing marketplace and alternative lending platforms. Highly comparable to CHEP because both advocate for tailored regulatory frameworks for emerging consumer/home-equity credit products distinct from traditional banks.
• Community Home Lenders Association (CHLA): An advocacy group for small and mid-sized independent mortgage lenders. Comparable to CHEP as a non-bank lending trade association that pushes for tailored regulatory treatment distinct from large-bank or GSE frameworks.
• National Reverse Mortgage Lenders Association (NRMLA): A trade association for reverse mortgage lenders and related home-equity-release products. Closely comparable to CHEP as both represent non-traditional home equity release mechanisms serving older or equity-rich homeowners who cannot or do not want to take on monthly payments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/coalition-for-home-equity-partnership

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Coalition for Home Equity Partnership