Mortgage Credit Alerts & Monitoring Software

Spot every borrower's intent. Six weeks before the credit pull.

Milo's Premium Monitoring turns your database into a live feed of mortgage monitoring alerts and credit alerts, watching every client across five signal engines: IntentIQ, LifeIQ, ListingIQ, DebtIQ, and CreditIQ, and routes tiered alerts straight to the right loan officer. From a saved home to a competitor credit pull, you see it before anyone else.

Identify who's back in market
Save deals early
Retain customers
Intent Ladder
2,847 monitored
T4
Aware
187
of 2,847
T3
Curious
62
of 2,847
T2
Active
21
of 2,847
T1
Hot
8
of 2,847
5-7% of database ~178monthly intent signals
Ranked by intent →
Five Signal Engines

One system watching all of it.

Premium Monitoring is no longer one signal, it's five engines running in parallel. Behavior, life events, listings, debt, and credit, each generating tiered alerts routed straight to the right loan officer.

IntentIQ LifeIQ ListingIQ DebtIQ CreditIQ
IntentIQ
Tracks client behavior across 2,000+ home search, mortgage, and comparison shopping sites to spot who is back in the market, weeks before the credit pull.
LifeIQNEW
Tracks key life events: pregnancy, new baby, newly engaged, married, and divorced, the moments that put a move on the calendar.
ListingIQNEW
Tracks the moment a client lists their home for sale, the clearest possible signal a purchase loan is coming.
DebtIQ
Tracks when a client's high-interest debt, credit card or personal loan, crosses your threshold. $20,000 by default.
CreditIQNEW
Tracks when a client has their credit pulled by a competitor, so your LO is on the phone before the other guy's disclosures go out.
$73.2M
closed in year one (bank)
8.9x
net ROI
$45M
in 2 months (IMB)
$30M
in month one (IMB)
À La Carte or Bundled

Build your monitoring stack.

Run one engine, run all five, or start with the pairings most lenders choose.

Most Popular · Growth Stack
IntentIQ+ LifeIQ+ ListingIQ
Everything that predicts the next purchase: shopping behavior across the web, the life events that trigger a move, and the moment a listing goes live.
Defense Stack
DebtIQ+ CreditIQ
Everything that protects the book: consolidation opportunities hiding in high-interest debt, and instant warning when a competitor pulls credit.
Every engine is available à la carte: mix, match, or run all five under one roof.
Spark Curiosity. Capture Intent.

Milo turns curiosity into intent, and our monitoring captures every step in the journey.

Milo's ecosystem of valuable content gives your borrowers a place to explore every refi, move-up, and equity scenario - all alongside your brand. Every click, search, and saved home is a tracked intent signal, surfaced to the LO the second someone is ready for a call.

Branded home value reports
Monthly equity reports that pull borrowers back into your ecosystem, build retention on autopilot, and feed the rest of the funnel with intent.
70%+ open; 2%+ convert.
Educational content
Short but compelling articles on key uses of equity such as debt consolidation, home renovation, buying investment properties, and investing show you exactly what your clients care about.
Purpose-driven signals
Live calculators
Refi, cash-out, affordability, and move-up calculators borrowers actually use. Every scenario they run is a quantifiable signal of where they're headed next.
Equity · refi · move-up scenarios
Home value search
A white-labeled home search experience across 500+ MLSs. Your borrowers tour, save, and compare homes inside your brand instead of a national portal.
Saved · Toured · Compared

Intent drives notification, in real time.

Every search, request, calculation, message, and click feeds Milo's tiered intent model. The second a borrower hits a hot signal, your LO sees the alert in their CRM with context, scenario, and next action.

See the alert feed →
IntentIQ · Monitoring Across the Web
No client slips through the cracks. Anywhere on the web.

Milo's monitoring graph covers 120M U.S. households across 2,000+ home search portals, financial education sites, and third-party real estate properties, anywhere your clients explore options outside of a direct lender site.

120M
U.S. households monitored. Every borrower in your database is covered
2,000+
Mortgage & home search sites tracked across the open web
5–7%
Of your past client database is shopping every single month
24/7
Continuous, always-on monitoring with alerts delivered right to your inbox
The Tiered Intent Model
Four tiers. One Journey.
Every signal captured and communicated.

Milo classifies every behavioral signal into one of four tiers based on what it predicts about purchase or refi intent. Your CRM, your team, and your priority queue all see the same score.

Tier 4 · Aware
~3.5% of database / mo
Early Engagement Signals
Lightweight behavioral data confirming a borrower is paying attention. Worth noting but doesn't require action.
AI Calling Consent Given
Started Searching for Homes
Edited Loan Info
Tier 3 · Curious
~2.3% of database / mo
Exploration signals
Repeated, intentional behavior. Borrower is investigating their options. LO outreach starts paying off here.
Frequently Searching for Homes
Viewed Loan Timeline
Visiting Report Frequently
Tier 2 · Active
~1.15% of database / mo
Intent Signals
The borrower is digging deeper into their options and building intent as they explore. Outreach is critical here.
Saved a specific home
Explored unlocking equity
Researched using equity to consolidate debt
Tier 1 · Hot
~0.8% of database / mo
Decision signals
Direct, explicit inquiries from the client. Pick up the phone now - these deals close at a very high rate.
Cash-out refi request
Pre-qualification request
Home tour requested
Just Launched
DebtIQ · Debt Consolidation Monitoring

Find the borrowers who are one tap away from a cash-out refi.

We scan your entire database for clients carrying high revolving debt balances, the small handful who would benefit most from rolling that debt into their mortgage and freeing up monthly cash flow.

When we flag a client, we automatically reshape their Milo report experience to lean into tapping equity, and we deliver the full credit and debt profile straight to your LO so they can have an informed, high-value conversation.

Powered by
Stikkum
Credit bureau partnerships
1
We monitor your entire database against bureau data, continuously, with zero lift from your team.
2
We identify high-balance revolving debt holders. Typically the 1–2% of clients with $20K+ in cards or HELOCs at 18%+ APR.
3
We reshape the report & alert your LO. The borrower's report leans into equity scenarios, and you get their full credit + debt profile to take action.
Database Scan · Revolving Debt
8,412 monitored
Database client
High revolving debt
RM
Rachel M.
Closed Sept 2022 · 3.25% fixed
Flagged
Revolving balance
$34,820
Avg APR
22.4%
Tappable equity
$187K
Monthly savings est.
$612
Report experience switched to equity-tap mode. Profile delivered to LO.
Play offense, not defense

Claim your repeat borrowers before another lender does.

Credit pulls and trigger leads tell you a borrower is shopping after they've already applied somewhere else. By then, you're in "save the deal" mode, issuing concessions to compete with whoever got there first.

Milo's behavioral signals fire weeks earlier, when the borrower is just starting to research. You make the first call. They never shop you against a competitor.

6 weeks
Average lead time
before a credit-trigger lead
Week 0
Milo behavioral signal fires
Week 3
Borrower starts formal shopping
Week 6
Credit-trigger lead fires (too late)
Pro tip
Good lenders save deals. Great lenders aggressively claim them. Lenders who pair Milo with credit triggers see a 3.4x lift in recapture rate vs credit triggers alone. The earlier touch wins the deal.
LO Action Queue · Sorted by Tier
12 active
Built to be adoption-proof
Alerts that tell your LOs what to do and when to do it.

Each alert hits your LOs where they are every day (in their email inbox and in CRM) and includes all the info they need to take action right then and there, even if they're in the car.

Alerts are branded with your logo to add to the “in-house” feel
Delivered straight to your LOs' inbox and pushed into CRM
One-click follow-up to take the friction out of taking action
Fully automated AI-enabled follow-up available
Get Started

See who's shopping in your database
starting this week.

Connect your database in minutes. Most lenders see their first loan go into process within 14 days of going live.