Milo for Independent Mortgage Banks

You sold the servicing. Don't sell the relationship.

When the MSR trades, the monthly touchpoint, the payoff visibility and the equity picture go with it. Milo gives back the part that actually wins the next loan, a branded monthly report in your name and an intent alert six weeks before the credit pull.

See How It Works

No servicing required

Runs inside your CRM

Attributable to closed loans

Retention Without Servicing

Servicers win recapture because they see the borrower. Now you can too.

Nonbank servicers retain refinancing borrowers at roughly three times the rate of banks, because recapture is their business model and they hold the data. Milo rebuilds that visibility on a book you no longer service.

A monthly reason to be in the inbox. Branded home value and equity reports keep your name attached to the house, not the loan number

Intent before the trigger. IntentIQ watches 2,000+ sites and 120M households, so you hear about shopping roughly six weeks early

Competitor credit pulls, surfaced. CreditIQ tells you the moment somebody else pulls your borrower's credit

Portfolio signal feed

48,200 clients

Tier 1 · call now

212 borrowers showing purchase or refi intent

Tier 2 · active

684 running equity and move-up scenarios

Tier 3 · curious

1,940 browsing listings and rate content

Tier 4 · aware

5,100 opening reports consistently

2.2%

hot lead rate

98.5%

match rate

$61M

pipeline

Portfolio signal feed

48,200 clients

Tier 1 · call now

212 borrowers showing purchase or refi intent

Tier 2 · active

684 running equity and move-up scenarios

Tier 3 · curious

1,940 browsing listings and rate content

Tier 4 · aware

5,100 opening reports consistently

2.2%

hot lead rate

98.5%

match rate

$61M

pipeline

Adoption-Proof by Design

Your LOs don't have to log in. So they can't fail to log in.

Every retention tool you bought before died the same way. Nobody adopted it. Milo runs inside the systems your originators already live in and pushes alerts to where they already work.

Native to your stack. Total Expert, Salesforce, Encompass, nCino, Relcu, plus an open REST API and real-time webhooks

You control the experience. Design every report, alert and search experience; borrowers never see a vendor's brand

Live in days. Push your roster and your book through the API, brand it, and start sending

The Honest Math

One recovered loan pays for the year.

What the retention line item looks like before and after.

Retention today

Credit monitoring plus a drip campaign

Credit alerts fire after the borrower already applied elsewhere

No visibility into the 5–7% shopping in any given month

Marketing spend you can't defend at the QBR

Every new tool means another adoption fight

Borrowers see a third-party brand, not yours

Retention on Milo

Intent-led, attributable, invisible to the borrower

✓

Intent surfaces roughly six weeks before a credit trigger

✓

Five engines watching behavior, life events, listings, debt and credit

✓

Every closed loan attributed back to the signal that started it

✓

Zero new logins, alerts route into the CRM you already run

✓

Fully white-labeled, sent from your own domain

Implementation

From contract to first wave in days, not quarters.

White-glove onboarding is included on every enterprise agreement.

STEP 01

Connect the book

Push borrowers and your LO roster through the API, or hand us a file. Every record gets enriched with value, equity and public-record data.

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STEP 02

Design the system

Configure reports, alert tiers, routing rules and cadence. It should look like you built it in house, because effectively you did.

→

STEP 03

Route and measure

Alerts flow into your CRM by NMLS. Reporting rolls up by LO, branch and cohort.

Pricing

Priced for your portfolio.

Enterprise pricing, scaled to your book.

Volume pricing across your full servicing or past-client database, with white-glove onboarding, dedicated CSM, SSO and no per-seat minimums. Most lenders start with a sample run on their own data.

Custom

FAQ

Questions we get a lot.

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 from an inquiry, so you're the first call instead of the fallback. Most lenders run both.

That's the exact case it was built for. Milo doesn't need the payment relationship, it re-establishes the monthly touchpoint in your brand and monitors intent independently of payoff data, so you can compete with the servicer who bought your MSRs.

Through the systems they already use. Milo integrates natively with Total Expert, Salesforce, Encompass, nCino and Relcu, and offers an open REST API with real-time webhooks. Alerts route by NMLS to the right originator's inbox and CRM record.

Yes, and that's the point. Every alert, match and closed loan is attributed back to source and reportable by loan officer, branch and cohort. Published customer outcomes include $73.2M closed in year one at a bank, $45M in two months at an IMB, and 8.9x net ROI.

No. The experience is fully white-labeled, your brand, your domain, your loan officers. Milo does not appear anywhere the borrower can see, and we never resell client data.