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The customer retention layer for mortgage

Stop losing loans you already won.

3 out of 4 past borrowers use a different lender next time. Milo keeps yours warm every month, tells your loan officers the moment one is back in the market, then starts the conversation for them.

No contracts No implementation fees Live in days Zero new logins for LOs
697%average ROI within 2 months
60%+of past clients engage every month
0new logins or adoption for your loan officers

See what your database would surface in 30 days.

Book a 20-minute demo. We'll run a sample report on your own data and show you who's already shopping.

You'll talk to a Milo operator, not a bot. By submitting you agree to our privacy policy.

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Lenders running Milo
NBKC Bank Rocket Pro NFM Lending Cardinal Financial Total Mortgage Churchill Mortgage Southern Trust Prosperity Home Mortgage Armed Forces Bank
The problem

You find out they refinanced when you see the recording.

Past clients don't call to say they're shopping. They open a Rocket email, run numbers on Zillow, and walk into a branch. By the time a credit-pull alert fires, they've already applied somewhere else, and you're discounting to save a loan you should have earned outright.

  • ✕5 to 7% of your database is quietly shopping in any given month. Almost none of them tell you.
  • ✕Credit alerts fire after the application. You're the fallback call, not the first one.
  • ✕Newsletters and birthday cards go to everyone and matter to no one. And you can't tell the CFO what they produced.
  1. 01 · Home value report
    Dana's home: $612K, up $48K
    Mar 1
  2. 02 · Engagement
    Opened it 3x, checked her equity
    Mar 3
  3. 03 · Tier 1 alert
    Dana asked for cash-out numbers
    Mar 9
  4. 04 · Automatic outreach
    Follow-up sent in her LO's name
    +2 min
  5. 05 · Closed loan
    $385K cash-out refi, funded
    Apr 18
How they come back

Report to funded loan. No cold calls.

Dana got a report about her own house, ran the numbers, and asked a question. Her loan officer's reply was already written and out the door two minutes later. Six weeks before any competitor's credit trigger would have fired.

How Milo wins them back

Past clients won't tell you they're shopping. Milo will.

01

Show up every month without anyone lifting a finger.

Every past client gets a report about their own house: what it's worth now, the equity they've built, and what that equity could fund. Your logo, your loan officer's face, your domain. Nobody sees Milo.

  • Four blended AVMs, 98.5% match rate. Even hard-to-value homes get a report. Single-AVM tools skip roughly a third of your book.
  • About 70% open it and spend 3 minutes inside, because it's about their house, not your rates.
  • Branded home search across 500+ MLSs. They browse, save and compare inside your brand, with zero competitor ads.
Summit Funding · Home value report40 Wishing Well Ln
Your home's estimated value this month
$926,915
↑ 2.51% vs last month · Prepared by Nick Rutherford
Home value$926,915
Est. balance$391,579
Est. equity$535,336
Otto $926KQuantarium $916KCherre $892KZillow $938K
Unlock equityMove-up calcSearch homes
02

Know who's shopping six weeks before the credit pull.

Five signal engines watch every client: shopping across 2,000+ home search and mortgage sites, a listing going live, a wedding, divorce or new baby, high-interest debt crossing $20K, a competitor pulling credit. Every signal is graded Tier 1 (call now) to Tier 4 (nurture), so your LOs know who to work first.

  • 2 to 5% of past clients become hot leads every month. 5 to 35x what legacy home value tools produce.
  • Alerts land in the LO's inbox and CRM record. There's no Milo dashboard anyone has to remember to check.
  • Every closed loan traces back to the signal that started it. By officer, branch and cohort. Defensible at the QBR.
Alerts today2,847 clients monitored
  • SK
    Sarah KelleherRan a cash-out scenario twice this week
    T1
  • DT
    David TranCredit pulled by another lender
    T1
  • BR
    Brian RossListed his home for sale
    T2
  • CN
    Cara NguyenHigh-interest debt crossed $20K
    T3
  • JW
    Jennifer WuOpened her report 6 months running
    T4
4 to call today$1.2M pipeline11 this month
03

The conversation starts before your LO opens their laptop.

Milo drafts the follow-up in the loan officer's name, built from the client's equity, their rate gap and the exact click that fired the alert. It clears a compliance and quality gate, then either sends itself or waits behind a button. Your LO picks up a reply, which is the part they're good at.

  • Written for one person, not a segment. It names the house, the number and the moment.
  • Checked against current lending regulations before it can send. Fail a test and it's rewritten, not sent.
  • Manual or automatic, set per loan officer. It runs whether they log in or not.
Drafted for Sarah KelleherTier 1 · cash-out signal
From Nick Rutherford2 min after alert

Hi Sarah, I noticed you were looking at what your equity could do. Quick context: you're sitting at about $535K in equity, and your current rate is roughly 0.86% above where the market is today.

That opens up a couple of options most people don't realize they have. Happy to walk through the math on both, no pressure either way. Want me to put together a side-by-side?

compliance passreadability 9.1brand alignedsuccinct
Send textSend email
Results

Consistent, quantifiable results starting the first month.

Every loan attributed back to the report and the signal that produced it. No "trust marketing" line items.

Consumer-direct bank · 11 months
$73.2M
net new recapture across 244 loans
8.9x net ROI on $66K
Regional IMB, $2B+/yr · 6 months
$44.0M
net new recapture across 67 loans
8.7x net ROI on $40.5K

Milo was hands down the best investment we made all year. We invest in a lot of marketing technology and maybe 1 in 7 actually deliver on the value they promise. Milo is a 1 in 100 platform for us. With Milo, our customer retention numbers have skyrocketed to over 75% this year.

CH
Cornell HoughCEO, Global Equity Finance

Milo is by far the best money I've spent on tech or marketing since opening my brokerage in 2019. I just told my LOs they're leaving money on the table if their clients aren't in there.

JF
James ForteCEO, Forte Financial
Nothing new to adopt

Every retention tool you bought before died the same way. Nobody logged in.

Milo runs inside the systems your originators already live in. Alerts, equity data and engagement flow into your CRM. Reports go out under your domain. Your LOs never learn a new tool, and your borrowers never see one.

Total ExpertSalesforceEncompassnCinoRelcuInsellerateOpen API + webhooks
  • No contracts. Month to month. When Milo proves it's a fit, we'll lock in volume pricing.
  • No implementation fees. Dedupe, address validation, AVM coverage and a sample report are included.
  • Live in days, not quarters. Push your book and roster, brand it once, start sending.
  • Works without servicing. Sold the MSRs? Milo rebuilds the monthly touchpoint on a book you no longer service.
  • Your data stays yours. SOC 2 aligned, never resold, no third-party lender ads anywhere.
Questions we get on every call

Before you book

We already run credit monitoring. Why add this?

A credit alert fires after your borrower has applied somewhere else. At that point you're discounting to save a deal you should have earned. Milo surfaces intent roughly six weeks earlier, from behavior rather than an inquiry, so you're the first call instead of the fallback. Most lenders run both.

Will our loan officers actually use it?

They don't have to. Alerts route by NMLS into the inbox and CRM record they already work in, and the follow-up can send itself. Nothing about Milo requires an LO to log in, which is why adoption doesn't decay after month two.

Is there a contract or setup fee?

No. Milo is month to month with no minimums. Onboarding, including dedupe, AVM coverage checks, branding and a sample report approval, is included at no cost. Enterprise lenders get volume pricing scaled to the database.

How is this different from Homebot?

Homebot sends a monthly digest under its own brand off a single AVM. Milo is fully white-labeled, blends four AVMs for a 98.5% match rate against roughly 70%, monitors clients across 2,000+ sites, and writes the follow-up. Milo lenders see 5 to 35x the hot-lead rate of legacy home value tools.

What happens after I book?

A Milo operator, not a sales bot, takes a 20-minute call. We run a sample report on a real address from your book, show you the match rate, and walk through pricing for your database size. If it's a fit, you can be live inside a week.

Milo for lenders

Your past borrowers are somebody's pipeline. Make it yours.

See what your database would surface in the first 30 days. 20 minutes, your own data, no pitch deck.

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No contracts · No implementation fees · Live in days
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