Introduction

This section outlines the data you can access through Chimney. Data is organized into key categories such as Borrower Profile, Offers, Property Details, Valuation Data, Loan Summary, and Ownership Information.

Each data point includes a description, along with any access requirements (e.g., whether a Chimney user record is required, or if an address alone is sufficient). Reference this article any time you need clarification on a field.

Borrower Profile & Propensity Data

Data points that help identify high-potential borrowers and the products they are most likely to engage with.

Data Point	Description
Home Borrowing Power	Estimated tappable equity based on current home value and total mortgage balance.
Home Equity Propensity (coming soon)	Composite score based on equity, home value growth, and mortgages.
Refi Score (coming soon)	Score (0–100) based on rate differential and loan age.
Cash-Out Candidate (coming soon)	Flag for users with low LTV and high current mortgage rate.

Offer Data

Data points related to the products and services presented to users within Chimney. Note: These are only available for active Chimney users of current Chimney clients.

Data Point	Description
Offer Match	List of products/offers matched to a user.
Offer Engagement Flag	Whether user clicked/saved an offer in the last 90 days.
Engagement Type	Type of engagement (click, save, both, none).
Last Engaged	Date of last offer interaction.

Property Details

Core attributes of a property including structure, size, and location identifiers.

Data Point	Description
Property ID	A unique internal identifier for tracking.
Address Validity	Indicates if the property’s address is valid/invalid.
Street Address	Full street address (including number and street name).
City / City Aliases	City name and any alternative/common names.
State / County / FIPS	Geographic identifiers including state, county, and FIPS code.
ZIP Code	Postal code of the property.
Latitude/Longitude	GPS coordinates for the property location.
Neighborhood / Census Tract	Local neighborhood name and census subdivision.
Property Type	Residential, commercial, multifamily, condo, etc.
Property Class	More specific classification (e.g., Single-family, Townhouse).
Year Built	Year the property was constructed.
Living Area Sq Ft	Square footage of livable space.
Lot Size	Total size of the property lot.
Number of Bedrooms	Total bedroom count.
Number of Bathrooms	Full and half combined.
Building Condition	Qualitative condition (Excellent, Good, Fair, Poor).
Number of Stories	Number of floors.
Roof Type	Roof material/structure.
Foundation Type	Foundation information (Slab, Basement, Crawl Space).
Heating/Cooling	Type of system installed.

Valuation Data

Valuation and market value estimates for properties.

Data Point	Description
Estimated Home Value	Market value based on AVM.
Home Value Range	Estimated min and max based on condition.
Confidence Score	Confidence level of the estimate (0–100).
Tax Assessed Value	County-assessed value for taxation purposes.
Previous Sale Price	Price at which the property was previously sold.
Purchase Date	Date of last recorded purchase.
Value Appreciation	% increase since purchase.

Loan Summary

Mortgage and loan-level details associated with a property.

Data Point	Description
Active Loans	Number of currently open loans.
Loan Types	Mortgage, HELOC, Home Equity Loan, etc.
Loan Origination Date	Start date of each loan.
Est. Interest Rate	Estimated rate based on origination date.
Lender Name	Lending institution name.
Loan Amount	Original loan amount.
Maturity Date	Maturity date of a variable rate loan.