🏦 For Lenders & Financial Institutions

The LendHero Lender Partnership

Partner with HomeHero to deploy renovation capital into pre-verified, milestone-protected projects — with full CRA documentation, embedded disbursement controls, and zero contractor payment disputes.

Become a Partner → Explore the HeroKit

$0payment disputes in pilot

100%milestone disbursement compliance

4.9★avg. borrower satisfaction

CRAdocumentation auto-generated

Avg. Loan Size

$38,400

Pilot LTV

< 80%

Default Rate

0.0%

Why Partner With HomeHero?

A Smarter Renovation Loan Pipeline

Access pre-qualified borrowers with verified renovation plans, licensed contractors, and milestone-based disbursement protection built in from day one.

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Quality Loan Pipeline

Every borrower arrives with a completed RenderReady design package, contractor pre-qualification, material BOM, and a realistic project budget. Your underwriting team spends less time on scope risk.

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Reduced Construction Risk

HeroVerify milestone inspections gate every draw request. Funds only release when work is verified complete — eliminating the #1 cause of renovation loan defaults: incomplete projects.

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Seamless Integration

Deploy via the HeroKit API, a white-label embedded lending module, or a co-branded portal. We fit your existing workflow — not the other way around.

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CRA Credit Ready

HomeHero operates in LMI census tracts by design. Every loan generates auto-formatted CRA documentation, tract-level reporting, and impact metrics for your regulatory team.

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Real-Time Portfolio Visibility

Your lender dashboard shows live milestone status, draw history, contractor performance scores, and project completion timelines across your entire HomeHero loan portfolio.

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CDFI & Bank Co-Deployment

Structure layered capital stacks — CDFI first-loss position, bank senior tranche, OZ equity, and NMTC proceeds — through a single HomeHero origination workflow.

🧰 HeroKit — Lender Integration Suite

The HeroKit

Everything a Lender Needs to Deploy

The HeroKit is HomeHero's lender integration suite — a modular package of tools, APIs, and documentation that lets your institution plug directly into the LendHero origination, disbursement, and reporting infrastructure.

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LendHero API

REST API for origination handoffs, draw request triggers, milestone data, and loan status webhooks. Full Swagger documentation and sandbox environment included.

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White-Label Portal

A fully branded borrower-facing portal with your logo, colors, and domain — powered by HomeHero's infrastructure. No engineering team required to go live.

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CRA & Compliance Package

Auto-generated CRA documentation, LMI census tract mapping, HMDA-ready data exports, and CDFI impact metrics — delivered monthly or on-demand.

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Lender Portfolio Dashboard

Real-time visibility into every loan in your HomeHero portfolio — milestone status, draw history, contractor ratings, and projected completion dates.

Embedded Payments

Milestone Disbursements, Fully Automated

HomeHero's embedded payment infrastructure eliminates manual draw requests entirely. Funds flow from your escrow account to the verified contractor within 24 hours of a passed HeroVerify inspection — automatically, with a full audit trail.

No manual draw requests. HeroVerify inspection approval auto-triggers the disbursement. Your team reviews exceptions only.

Escrow-controlled at every step. Funds are released in pre-defined tranches tied to verified milestones — never released in lump sum to contractors.

Full audit trail for regulators. Every disbursement is timestamped, geo-tagged, and tied to an inspection record — meeting OCC, FDIC, and CFPB exam standards.

Contractor accountability built in. Contractors only get paid when work passes inspection. This zero-dispute model is proven across 127 Detroit pilot projects.

ACH, wire, and virtual card. Choose your disbursement method. Payments land in the contractor's account within 24 hours of milestone approval.

Live Disbursement Flow

Contractor submits milestonePhotos, receipts, and completion notes uploaded

Live

HeroVerify inspection triggeredCertified inspector dispatched within 24hrs

Auto

Inspection passes — approval loggedGeo-tagged, timestamped, audit-ready record

Auto

Draw request auto-generatedLender dashboard notification sent

Auto

Escrow releases to contractorACH / wire initiated within 24 hours

Live

CRA record & audit log updatedLoan file, HMDA export, and impact report updated

Auto

CRA & Regulatory Compliance

Built for Regulatory Peace of Mind

HomeHero operates in LMI census tracts by design — making every loan CRA-qualifying from origination. Your compliance team gets what it needs, automatically.

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CRA

CRA Credit Documentation

Auto-generated CRA documentation including loan-level LMI tract data, borrower income verification, and community development narrative — formatted for OCC and Federal Reserve exam requirements.

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HMDA

HMDA-Ready Data Exports

All loan data is captured in HMDA-ready format. Monthly export files are available in your lender dashboard — ready for your HMDA LAR submission without manual data entry.

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CDFI

CDFI Mission Alignment

HomeHero's target borrower — LMI homeowner in a distressed census tract — is the core CDFI constituency. Partnership with HomeHero strengthens your CDFI certification and renewal applications.

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Opportunity Zone Reporting

For OZ fund partners, HomeHero tracks original use and substantial improvement metrics at the property level, generating the documentation required for QOF compliance reporting to Treasury.

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NMTC

NMTC Impact Tracking

CDEs using NMTC allocations through HomeHero receive project-level impact tracking for job creation, community benefit, and compliance with Treasury's community benefit requirements.

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Fair Lending

Fair Lending by Design

HomeHero's Y-Score underwriting model is calibrated to serve LMI borrowers who are creditworthy but under-served by FICO-centric models — documented for fair lending examination purposes.

Who We Partner With

Built for Every Capital Source

LendHero is designed to work with any institution deploying capital into residential renovation — from community banks to national CDFIs.

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Community Banks & Credit Unions

Meet CRA goals, build LMI market share, and reduce renovation loan risk with a fully managed disbursement system.

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CDFIs

Deploy mission capital with built-in impact tracking, LMI documentation, and CDFI Fund reporting metrics for every loan.

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Regional & National Banks

White-label the LendHero platform to serve your existing customers with a best-in-class renovation financing experience.

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OZ & Impact Funds

Source qualified opportunity zone improvement projects with verified contractors, milestone controls, and Treasury-compliant reporting.

Partnership Process

Live in as Little as 30 Days

Our partnership team handles the heavy lifting. Most lenders are originating their first HomeHero loans within 30 days of signing the partnership agreement.

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Discovery Call

We learn your capital deployment goals, CRA strategy, loan products, and geographic focus. We confirm fit and outline the partnership structure.

Day 1–3

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Term Sheet & Agreement

We issue a partnership term sheet covering loan referral structure, disbursement controls, compliance commitments, and HeroKit access terms.

Day 4–10

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HeroKit Integration

Your tech team connects via API or we configure your white-label portal. Sandbox testing and compliance review completed by your team.

Day 11–25

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First Loans Originated

Go live with your first HomeHero loan referrals. Your partnership manager monitors the first cohort and optimizes the pipeline with your team.

Day 26–30

Pilot Performance

Detroit Pilot Results Speak for Themselves

127+

Renovations completed in 8-month Detroit pilot

$3.4M

Total renovation capital deployed to LMI homeowners

Contractor payment disputes across all pilot loans

$41K

Avg. homeowner equity gain per completed project

99.2%

HeroVerify inspection accuracy vs. city inspection outcomes

100%

On-time milestone disbursements — no delays or disputes

<80%

Average LTV at origination across pilot loan book

4.9★

Average borrower satisfaction score at project completion

Join the Network

Partner With LendHero

Tell us about your institution and lending goals. Our partnership team will respond within 2 business days to schedule a discovery call.

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Confidential & secureYour information is never shared without your consent

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Fast responsePartnership team responds within 2 business days

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No commitment requiredDiscovery call is informational — no obligation to proceed

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CRA documentation providedWe'll share our CRA impact data during the discovery call

Start the Conversation

Fill out the form below and a HomeHero partnership manager will be in touch within 2 business days.

First Name *

Last Name *

Institution Name *

Your Title *

Institution Type *

Email Address *

Phone Number

Primary Markets / Geography

Annual Renovation Loan Volume (est.)

What brings you to LendHero?

Your information is kept confidential. No commitment required to schedule a discovery call.

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Request Received!

Thank you for your interest in the LendHero partnership program. A HomeHero partnership manager will reach out within 2 business days to schedule your discovery call.