May 13, 2026

Your Home Equity Just Got Way Easier to Track

The average American homeowner is sitting on about $313,000 in equity. That’s not pocket change.

But here’s the less fun part—about a third of homeowners have no idea how to actually access or use that wealth, according to a recent AmeriSave survey. It’s like having a winning lottery ticket in your junk drawer and forgetting it’s there.

SavvyMoney is trying to change that with their new Home Value & Equity feature, which just launched in pilot mode. Think of it as a financial wellness upgrade that shows you what your home is worth, how much equity you’ve built up, and what you can actually do with it—all without leaving your digital banking app.

The Effortless Part (Because We All Love Effortless)

Unlike most home value tools that make you jump through hoops—creating new accounts, entering addresses, uploading documents, or basically doing homework—this one just appears. If you’re an eligible homeowner already using SavvyMoney’s Credit Score dashboard through your bank or credit union, you’ll automatically see a new tile showing your current estimated home value. No forms. No setup. No “verify your identity by naming your third-grade teacher’s cat.”

Click into that tile and you get the full picture: your current mortgage balance, estimated available equity, a historical trend graph showing how your property value has changed over time, and even a photo of your home (where available). There’s also educational content explaining what home equity actually is and how you might use it, because let’s be honest—not everyone knows the difference between a HELOC and a refi.

What’s In It For You

For homeowners, this feature delivers visibility into what’s likely your biggest financial asset. Here’s what that looks like in practice:

Home equity visibility: See your estimated home value, mortgage balance, and available equity all in one place, right next to your credit score. No separate apps, no third-party websites, no requesting formal appraisals. For many people, this will be the first time they’ve had a clear picture of the wealth they’ve built without having to do detective work.
Equity growth tracking: Watch how your home value and equity change over time with historical trend data. Whether you’re thinking about a kitchen renovation, weighing a move, or just want to know where you stand financially, tracking equity helps you spot when you’re in a stronger position to make your next move.
Informed decision-making: Access educational resources that break down how home equity works and what you can do with it—from consolidating high-interest debt to funding that home improvement project you’ve been dreaming about. When you’re ready to explore options, you can check out home loan offers directly from your financial institution.

Important note: This feature doesn’t trigger a credit inquiry and won’t affect your credit score. All estimates are clearly marked as educational and informational, so you can browse freely.

“For the millions of homeowners who bank with SavvyMoney partners, understanding their equity position can be the difference between wondering and knowing,” said JB Orecchia, president and CEO of SavvyMoney. “Home Value & Equity brings that visibility directly into the credit score experience consumers already trust, with no friction for the consumer and no heavy lift for the institution.”

Why Banks and Credit Unions Are Into This

Financial institutions aren’t just being generous here—there’s a clear business case. Home Value & Equity gives banks and credit unions a smarter way to connect with customers who might be ready for home lending products:

Targeted home product offers: Use home value and equity data to deliver timely, relevant offers for refinancing, HELOCs, home insurance, and related products when customers are actually in a position to use them.
Higher-quality leads: Identify homeowners who are equity-qualified and potentially in-market for lending products, which strengthens mortgage pipelines with people who are actually ready to act.
Stronger engagement and segmentation: Tap into home equity insights to prioritize outreach, refine targeting, and make marketing campaigns more effective.
Zero implementation burden: This is the part that makes IT departments breathe a sigh of relief. There’s no technical build, no integration work, no engineering resources required. SavvyMoney enables the feature directly within the existing platform institutions already have.

The Tech Behind The Magic

Home Value & Equity runs on data from an industry-leading automated valuation model that covers 99.9% of U.S. residential properties. Mortgage balance information comes from the consumer’s existing credit file. The system automatically matches eligible consumers to their property and calculates equity without requiring any input from the homeowner or technical lifting from the institution. Home value estimates refresh roughly once a month as new market data rolls in.

What’s Next

This launch is part of SavvyMoney’s broader push to deliver comprehensive financial wellness tools through the institutions consumers already trust. Recent platform additions include a partnership with Allstate Identity Protection for fraud restoration services, the acquisition of CreditSnap to power seamless loan origination and account opening, and an expanded fintech partnership with Avant to power its Credit Builder tool.

Home Value & Equity is currently in pilot with select SavvyMoney partner institutions, with wider availability coming soon. Financial institutions interested in joining the pilot or learning more can contact their SavvyMoney Partner Manager or visit www.savvymoney.com.

For homeowners, the takeaway is simple: You might be wealthier than you think. And now, actually knowing that doesn’t require a spreadsheet, a real estate agent, or an afternoon of Googling “how much is my house worth.” It’s just there, waiting for you in your banking app—right next to your credit score, where it probably should have been all along.