Loan intel, layer by layer.
For loan originators. Find refi-ready borrowers, equity-rich HELOC candidates, ARM-resetting time bombs, and life-event triggers (divorce, probate, marriage) in your county before the LO across town does. Same engine that powers ButteRE, tuned for LOs.
Find borrowers whose current mortgage rate is 50+ bps above today's market. Sorted by projected monthly savings.
Daily alert when adjustable-rate mortgages hit the 18-, 12-, and 6-month reset windows. These borrowers are about to feel pain.
Owner-occupied, 60%+ equity, low LTV. Sorted by dollar equity. The "asset rich, cash hungry" cohort.
"Hi Mike, saw you bought your place in 2018 at 4.5%. Today's rates are around X. Quick 5 min to see what refi saves you?" Pre-generated, ready to dial.
Divorce, probate, marriage, new business filings, recent purchases. Five trigger types that often turn into refis or cash-outs within 90 days.
Input desired LTV, output max cash-out + monthly payment. Built into every borrower profile. Closes the deal in the same conversation.
Auto-scrub phones against federal DNC + state lists before you call. Compliance baked in. Nobody else does this for LO leads at scale.
Dispatch "Casey from your friendly mortgage team" via Bland. Qualifies borrowers, books callbacks, drops voicemails. Logs everything back to your CRM.
Each borrower profile auto-matched to the best loan product: conventional, FHA, VA, jumbo, DSCR, hard money, reverse. AI picks the one most likely to close.
8 stages tuned for mortgage: outreach → pre-qual → app started → app complete → submitted → UW → CTC → funded. Notes auto-save. Closes track per day.
Mark a borrower "funded." System watches them for life. Re-surfaces when rates drop, ARMs reset, equity events trigger. Mine your own book.
Per borrower: estimated loan size × your comp rate = potential commission. Sort leads by potential payout. Stop wasting time on $500 deals.
| Category | Signal | What it tells you |
|---|---|---|
| Refi candidates | high_rate_loan | Current mortgage rate is 50+ bps above market. Refi saves them money. |
| arm_resetting_soon | ARM reset within 18 months. They're about to feel rate pain. | |
| fha_pmi_droppable | FHA loan with enough equity to refi to conventional and drop MIP. | |
| va_irrrl_eligible | VA loan eligible for streamline IRRRL refi. | |
| Equity / cash-out | equity_60_plus | 60%+ equity, owner-occupied. HELOC or cash-out candidate. |
| low_ltv | LTV under 50%. Sitting on dry powder. | |
| Life events | divorce_filed | County divorce filing. Often triggers cash-out for marital split. |
| recent_purchase | Bought within 18 months. Cross-sell HELOC after they settle. | |
| probate_recent | Death certificate filed. Heirs commonly refi to absorb the loan. | |
| marriage_recent | New spouse on title. Refi opportunity to add borrower. | |
| Distress / hard money | pre_foreclosure | NOTS filed. Loan-mod or workout candidate. |
| tax_delinquent | Tax lien recorded. Bridge loan candidate. | |
| bankruptcy_filed | Recent BK discharge. Credit-recovery refi opportunity. | |
| Reverse mortgage | senior_high_equity | Owner 62+ with 50%+ equity, owner-occupied. HECM candidate. |
| Investor / hard money | flip_pattern | Bought and sold within 12 months previously. DSCR / bridge loan candidate. |
The same 591K-parcel database powers both products. When a signal fires on one side, the other side sees it instantly.
🧈 ButteRE flags "just sold" → 🥐 PhylLO alerts "new purchase loan candidate" 🧈 ButteRE flags "pre-foreclosure" → 🥐 PhylLO alerts "loan-mod / workout candidate" 🥐 PhylLO funds a refi → 🧈 ButteRE watches the owner for future flip signals 🥐 PhylLO sees divorce filing → 🧈 ButteRE alerts "likely distressed sale incoming"Same parcel. Two products. Three+ revenue moments per address.
| Lead vendor lists | LinkedIn cold outreach | Past-client mining | PhylLO | |
|---|---|---|---|---|
| Refi candidate scoring | · | · | manual | 15 signals weighted |
| ARM reset radar | · | · | · | ✓ daily |
| Life-event triggers | · | · | · | ✓ 5 types |
| AI personalized scripts | · | · | · | ✓ per borrower |
| TCPA-clean dialing | · | · | · | ✓ auto-scrub |
| AI auto-dialer | · | · | · | ✓ via Bland |
| Built-in CRM | · | · | · | 8-stage pipeline |
| Servicing watch / re-mine | · | · | manual | ✓ forever |
| Commission estimator | · | · | · | ✓ sort by $ |
| Cross-product RE intel | · | · | · | ✓ via ButteRE |
| Monthly price | $200-500 | varies | your time | $99 (Starter) |
The average LO commission per closed loan is $2,000-$6,000. PhylLO Pro is $299/mo, or $3,588/year. One $300K refi at 1% comp = $3,000 commission, paying for the year. Every additional close is profit.
Q3 2026 (target). The core engine is already built and running ButteRE in production. Adding the mortgage data layer (BatchData / Estated for mortgage rates, balances, ARM details) is the main missing piece.
Same Supabase database (591K parcels analyzed), same Cloudflare Pages infrastructure, same Anthropic AI narratives, same Bland AI dialer, same Stripe checkout, same CRM. PhylLO swaps the scoring algorithm and adds a mortgage data overlay. 80% reuse.
Because ButteRE and PhylLO share a database, when one platform flags an event, the other sees it. RE wholesaler flags "owner just sold" → LO gets a purchase-loan candidate alert. LO sees divorce filing → wholesaler gets a distressed-sale alert. Same parcel, multiple revenue moments.
Skip-trace credits included in Starter (100/mo) and Pro (500/mo). Enterprise unlimited. Trace borrower contact info, scrub against TCPA / DNC, dial.
Those are tools for processing loans you ALREADY have. PhylLO finds the borrowers and gets them on the phone. Different stage of the funnel. You'd use both.
TCPA-aware. Phone scrubs against federal DNC + state DNC. NMLS license-tier aware. We don't market on your behalf — you do the outreach with the leads + scripts we provide.
First 100 LOs get founding member pricing: $49/mo Starter for the first 12 months. Drop your email and we'll ping you when the dough hits the oven.
No card. No spam. We email once when we launch.