Milo for Mortgage Servicers

A payoff request isn't a signal. It's a receipt.

By the time the demand hits your desk, the borrower has already chosen somebody else. Milo watches your portfolio across 2,000+ sites and tells you who's shopping roughly six weeks before the credit pull, while the loan is still yours to keep.

See How It Works
Portfolio scale
One integration
Lifts recapture, lifts MSR value
40%
servicer retention at an 8-year high, meaning 60% still walk
120M
US households covered by Milo's monitoring
2,000+
home search and mortgage sites watched continuously
6 wks
of warning before a credit trigger fires
Retention Starts Earlier

Recapture campaigns fire too late because payoff data is a lagging indicator.

Even at an eight-year high, servicers keep well under half of refinancing borrowers. The gap isn't effort, it's timing. Payoff demands, rate-table triggers and credit inquiries all fire after the borrower has picked a lender.

Behavior, not inquiries. IntentIQ detects shopping across 2,000+ sites, roughly six weeks before a credit trigger
The clearest signal there is. ListingIQ flags the moment a borrower lists the home, a purchase loan is coming
Defensive coverage. CreditIQ catches competitor credit pulls, DebtIQ catches consolidation risk
Pre-payoff intent
218,400 loans
T1
Shopping now
1,840 loans, rate and refi behavior detected
T1
LI
Listed for sale
402 borrowers put the home on the market
T2
CR
Competitor credit pull
610 inquiries by another lender
T1
DQ
Debt threshold crossed
2,210 above $20K high-interest debt
T3
6 wks
earlier
5–7%
in market
2.2%
hot
Pre-payoff intent
218,400 loans
T1
Shopping now
1,840 loans, rate and refi behavior detected
T1
LI
Listed for sale
402 borrowers put the home on the market
T2
CR
Competitor credit pull
610 inquiries by another lender
T1
DQ
Debt threshold crossed
2,210 above $20K high-interest debt
T3
6 wks
earlier
5–7%
in market
2.2%
hot
Portfolio Scale

One integration across the whole book.

Push the portfolio once through the API and Milo enriches every loan with current value, equity and public-record data, then streams tiered signals back into your recapture workflow.

Built to ingest volume. Open REST API and real-time webhooks, with records keyed to your loan and borrower IDs
Tiered so teams can act. Tier 1 through Tier 4 scoring routes the right loans to the right outreach queue
Engagement, not just alerts. Monthly branded reports keep the borrower attached to your brand between events
What Changes

Recapture rate is an asset value input.

Higher retention doesn't just book loans, it changes what the book is worth.

Trigger-based recapture
Payoff demands, credit inquiries, rate tables
✕
You learn about intent after the application
✕
Outreach competes against a lender already in process
✕
Discounting to save deals you should have earned
✕
No engagement between the closing and the payoff
✕
Retention performance swings with rate cycles
Intent-led recapture
Behavioral signals ahead of the event
✓
Intent detected roughly six weeks before the credit pull
✓
You reach the borrower while they're still deciding
✓
Margin protected because you're first, not last
✓
A monthly branded touchpoint the borrower opens
✓
Five signal engines running whatever rates do
Integration

Portfolio in, signals out.

Most servicers are ingesting signals within the first few weeks.

STEP 01
Push the portfolio
Send loans and borrower records through the API. Every record is enriched with value, equity and public-record data.
→
STEP 02
Choose your engines
Run IntentIQ, LifeIQ, ListingIQ, DebtIQ and CreditIQ à la carte or all five, with thresholds you set.
→
STEP 03
Stream to your workflow
Real-time webhooks deliver tiered signals into your recapture queues, dialer or CRM.
Pricing

Priced for your portfolio.

Portfolio pricing, engines à la carte.
Run one signal engine or all five across the servicing book. Volume pricing, dedicated CSM, SSO and API-first implementation. Start with a sample run on a portfolio slice.
Custom
FAQ

Questions we get a lot.

Timing. A payoff demand or a credit inquiry tells you the borrower has already applied elsewhere. Milo detects shopping behavior across 2,000+ sites roughly six weeks earlier, so your outreach reaches the borrower while they're still deciding rather than after they're in someone's pipeline. Most servicers run both signals side by side.
Five engines: IntentIQ for behavior across 2,000+ home search and mortgage sites, LifeIQ for life events like marriage or a new baby, ListingIQ for the moment a borrower lists the home, DebtIQ for high-interest debt crossing a threshold you set, and CreditIQ for competitor credit pulls. They're available à la carte or bundled.
API-first. Push loans and borrower records through the open REST API, and Milo streams tiered signals back through real-time webhooks into your recapture queues, dialer or CRM, keyed to your own loan and borrower IDs.
Recapture rate is a direct input to prepayment and retention assumptions, so a sustained improvement changes how the book is modeled. We'd suggest running the numbers with your own valuation team, Milo's role is producing the retention lift, not valuing the asset.
Yes. Milo doesn't require you to hold the payment relationship or the servicing system of record. It works from the borrower and property records you push, which makes it viable for subservicing arrangements and recently acquired portfolios.
Milo for Mortgage Servicers

Stop finding out at payoff.
Start finding out at intent.

See what one slice of your portfolio would surface in 30 days.