Our Mission

We were tired of losing past clients
to someone else's call.
So we built Milo.

Milo mortgage retention wasn't built by a software company that wandered into mortgage. It was built by two operators who lived the pain of price concessions, fragmented tech stacks, and watching past borrowers refinance somewhere else, and decided to fix it from the ground up.

Andrew Penner

Co-Founder · CEO

Nick Rutherford

Co-Founder · CTO

Read the story

The Four Pains

What we lived through
before we built Milo.

In our former lives as mortgage marketing, sales, and tech executives, four problems showed up at every shop, every quarter, without fail.

We were always in "save the deal" mode.

Past clients would resurface, but far too often, they'd resurface after another lender or bank had them in their pipeline. We'd issue price concessions just to keep deals we should have proactively earned. We weren't their first call. We were their fallback.

We had nothing of value to say between transactions.

Generic newsletters and birthday cards weren't moving the needle. Worse, we couldn't quantify the ROI of any of the marketing platforms we were using. We were spending money to look busy, not to drive repeat business.

Our tech stack was a mess.

Every new tool meant a new login. LO adoption was a constant battle. Admins drowned in onboarding, training, and seat-shuffling, and the tools that LOs did use rarely talked to each other. Fragmentation was a tax we paid every day.

We had no idea what our clients were doing.

Between transactions, our past borrowers were a black box. They were Zillow-shopping, getting Rocket emails, walking into a Chase branch, and we'd find out only when a credit pull alert hit, often too late to save the deal.

So we built Milo to be the platform we wished we'd had.

Not another tool to bolt onto a fragmented stack. A retention platform that disappears into your existing infrastructure and produces measurable repeat business.

Fully white-labeled

Borrowers see your brand. Not ours. Not anyone else's. The entire experience is yours.

Natively integrated

Runs inside your CRM. No new logins for LOs, ever. The work shows up where they already work.

Adoption-proof

If LOs don't have to log in, they can't fail to log in. Retention runs whether they touch it or not.

Quantifiably ROI-positive

Every alert, every match, every closed loan attributed back to source. No more "marketing trust me" line items.

Category Definition

Milo isn't a marketing platform.

It's a customer retention & repeat business generation platform. The distinction matters.

What Milo is NOT

Just another marketing tool.

Not a newsletter platform pretending to drive deals

Not a third-party brand siphoning your clients

Not another login your LOs will ignore

Not a "build it yourself" toolkit with months of dev work

Not a vague-ROI line item you can't defend at QBR

What Milo IS

Your in-house customer retention system. Pre-built.

Pre-built infrastructure that goes live in days, not quarters

Fully white-labeled, borrowers only ever see your brand

Configurable in minutes, not months. You design the experience

Natively integrated. Your stack stays your stack

Quantifiable, line-item ROI, defensible at the executive level

The Founders

Built by mortgage operators
who lived the problem.

Andrew and Nick spent their careers running mortgage marketing, sales, and technology, and felt the pain of every retention failure firsthand.

Co-Founder · CEO

Andrew Penner

Co-Founder · CEO

Former CMO of Total Mortgage who grew retail production 12x in 6 years to over $3B/year. Despite generating over $500M/year in loan volume from past clients, Andrew spent years watching past clients refinance with competitors and approving the price concessions to win them back. He started Milo to make sure no lender ever had to be in "save the deal" mode again.

Mortgage marketing, tech & sales leadership

Lived experience: driving repeat business, price concessions, fragmented stacks

Believes retention starts with adding value, not trying to extract it

Co-Founder · CTO

Nick Rutherford

Co-Founder · CTO

Former head of consumer direct at multiple mortgage companies who saw firsthand how fragmented vendor stacks tax LO productivity and admin sanity. Nick architected Milo to be the rare lender tool that actually removes work instead of adding to it.

Mortgage technology & sales leadership

Lived experience: LO adoption battles, integration debt, quantifying ROI

Believes the best LO tool is the one they never have to log into

We were tired of losing past clients to someone else's call. So we built Milo.

So we built Milo to be the platform we wished we'd had.

Build the retention systemyou wish you'd always had.

We were tired of losing past clients
to someone else's call.
So we built Milo.

Build the retention system
you wish you'd always had.