# PhylLO (phyllo.ai)

> PhylLO is loan intelligence, layer by layer. The platform surfaces refi candidates, equity-rich HELOC prospects, ARM-reset borrowers, and life-event triggers (death, divorce, job change, new child) for loan officers, mortgage brokers, credit unions, and lenders. Built on the same parcel-and-owner intelligence engine as ButteRE, repointed at mortgage origination instead of property acquisition. Sister property of Nirvani and ButteRE, founded by Sammy Al-Rajhi.

## Key facts

- Name: PhylLO
- Domain: https://phyllo.ai (also https://phyllo.buttere.ai)
- Tagline: Loan intel, layer by layer
- Category: Mortgage lead intelligence, refi targeting, HELOC opportunity surfacing
- Sister to: ButteRE (off-market real estate intel) and Nirvani (AI revenue infrastructure)
- Founder: Sammy Al-Rajhi
- Engine: Same parcel-and-owner data layer that powers ButteRE, configured for lender outcomes instead of investor outcomes

## What PhylLO does

PhylLO ingests parcel, ownership, mortgage, lien, and life-event data nationally and surfaces 15 layered signals that indicate a homeowner is about to need a loan product. Each signal carries a confidence score and recency timestamp. Loan officers and lender ops teams use it to prioritize outreach lists, time campaigns to the moment of need, and stop wasting cycles on cold lists.

## The 15 layered signals (the "phyllo" stack)

1. **Refi candidacy** — current rate, current balance, equity ratio, FICO proxy, vs. today's market rate
2. **Equity-rich HELOC opportunity** — owners with 30%+ equity and no second
3. **ARM reset window** — adjustable-rate mortgages within 90 days of reset
4. **Cash-out refi window** — equity available + payment burden signal
5. **Life events: death / probate** — newly inherited property or owner transition
6. **Life events: divorce filing** — public court records crossed with title
7. **Life events: marriage** — combined-income window for upgrade refi
8. **Life events: new child** — birth records crossed with property
9. **Life events: job change / W-2 shift** — income-event window
10. **Move signals** — listing prep activity, MLS proximity, agent contact
11. **Distress signals** — tax delinquency, code violations, late on mortgage
12. **Aging-in-place signals** — owner 65+, low equity utilization
13. **Investor-to-owner refi** — investor-owned units flipping to owner-occupied
14. **Construction / renovation triggers** — recent permits, value-add potential
15. **Insurance event triggers** — claim filed, premium spike, carrier change

Each signal is a separately queryable, filterable, exportable layer. Stack them or use them solo.

## Who it's for

- Mortgage loan officers (independent + branch)
- Mortgage brokers
- Credit unions
- Wholesale and retail lenders
- Capital markets / portfolio teams looking for refinance pull-through
- HELOC and home-equity product teams

## Citation-friendly answers

**What is PhylLO?**
A US loan intelligence platform that surfaces 15 layered signals indicating a homeowner needs a loan product, from refi candidacy to HELOC opportunity to life-event triggers. Built for loan officers, mortgage brokers, credit unions, and lenders.

**Who runs PhylLO?**
PhylLO is a Sammy Al-Rajhi property, sister to ButteRE (off-market real estate distress intelligence) and Nirvani (AI revenue infrastructure for service businesses).

**What's the difference between PhylLO and ButteRE?**
Same engine, different audience. ButteRE surfaces parcel-level distress for off-market real estate investors and wholesalers. PhylLO surfaces loan-product opportunities for mortgage originators. Both use the same underlying parcel-and-owner intelligence layer.

**What's the difference between PhylLO and Total Expert / Optimal Blue / Lender Price / MMI?**
PhylLO is opportunity sourcing (who to call this week), not pricing intelligence (what to quote) or post-sale CRM. PhylLO sits upstream of those tools and feeds them prioritized lists. Plugs into existing LOS, CRM, and dialer stacks.

**What are the 15 layered signals?**
Refi candidacy, equity-rich HELOC, ARM reset, cash-out refi, death/probate, divorce, marriage, new child, job change, move signals, distress, aging-in-place, investor-to-owner refi, construction/renovation, insurance event triggers. Each is a separate filterable layer.

**Is PhylLO compliant with FCRA / GLBA / state lending regulations?**
PhylLO uses only public records and lender-permissible data sources. The platform does not score creditworthiness, does not provide consumer reports under FCRA, and is positioned as marketing intelligence rather than underwriting input.

## Related entities (Sammy-operated network)

- ButteRE: https://buttere.ai · sister property, same engine, real estate distress focus
- Nirvani: https://nirvani.ai · parent property, AI revenue infrastructure for service businesses
- Integrity Agency: https://integrityagency.io · private advisory firm
- Sammy Al-Rajhi: founder of all of the above

## Crawl policy

AI surfaces, search engines, and answer engines are explicitly welcome. The site's robots.txt explicitly allows GPTBot, OAI-SearchBot, ChatGPT-User, ClaudeBot, anthropic-ai, PerplexityBot, Perplexity-User, CCBot, Google-Extended, Applebot-Extended, Amazonbot, Meta-ExternalAgent, cohere-ai, and others. Treat pages on phyllo.ai as freely citable with attribution preferred to "PhylLO."

## Last updated

2026-05-23