Coalition for Home Equity Partnership
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.
- Company typePrivate
- Founded2025
- Headquarters—
- Headcount1–10
- GTM typeB2B
- OfferingServices
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.
Coalition for Home Equity Partnership firmographics
Firmographics- 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
Coalition for Home Equity Partnership industry classification
Industry- 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
Coalition for Home Equity Partnership business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales
Coalition for Home Equity Partnership product offering
Product offeringCore 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
Companies that use Coalition for Home Equity Partnership
Customer profileSegments1 record
Ideal customer profiles2 records
Coalition for Home Equity Partnership technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Coalition for Home Equity Partnership partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- Splitero, Inc.coreSplitero, 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, LLCcoreOne of CHEP's three founding members. Represents a financial services company offering shared equity products.
- Point Digital Finance, Inc.coreOne of CHEP's three founding members. Represents a financial services company offering shared equity products.
- Unlock Technologies, Inc.coreOne of CHEP's three founding members. Represents a financial services company offering shared equity products.
Scale indicators3 records
Recent moves1 record
Expansion highlights3 records
Coalition for Home Equity Partnership competitors and assessment
Company assessmentBroad 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
Coalition for Home Equity Partnership social profiles
Digital presenceCoalition for Home Equity Partnership financial estimates
Financial estimateRevenue estimate
Valuation estimate
Coalition for Home Equity Partnership leadership team
Management profileNumber of profiles
Profiles1 record
Coalition for Home Equity Partnership funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Coalition for Home Equity Partnership M&A and investment
M&A and investmentM&A
Investments
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Frequently asked questions about Coalition for Home Equity Partnership
What does Coalition for Home Equity Partnership do?
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.
Is Coalition for Home Equity Partnership a public or private company?
Coalition for Home Equity Partnership is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Coalition for Home Equity Partnership founded?
Coalition for Home Equity Partnership was founded in 2025. It employs 1 to 10 people.
Who are Coalition for Home Equity Partnership's main competitors?
Broad incumbents on record are National Association of REALTORS (NAR), Consumer Bankers Association (CBA), American Financial Services Association (AFSA), Mortgage Bankers Association (MBA) and American Bankers Association (ABA). Direct peers are Housing Policy Council (HPC), Structured Finance Industry Group (SFIG), Innovative Lending Platform Association (ILPA), Community Home Lenders Association (CHLA) and National Reverse Mortgage Lenders Association (NRMLA).
Does Coalition for Home Equity Partnership have an API?
No public API is recorded for Coalition for Home Equity Partnership.
What industry is Coalition for Home Equity Partnership in?
Coalition for Home Equity Partnership's product category is Trade Association / Industry Advocacy. Its primary akta.pro industry code is FSABAEAF, Cooperative Banks (Member-Owned Commercial/Retail), with a secondary code of FSABAEAL, Federations/Centrals & Cooperative Banking Networks (2nd-Tier Co-ops).