The lead desk for lenders
First dibs on every borrower.
Dibs puts an AI agent on your site, scores every conversation, and gets the lead to the right loan officer within seconds, while the borrower is still there.
All leads
Ranked by score
Needs first contactNeeds first contact5
L-1042First-time buyer in San Diego with a specific home in mind, wants a preapproval
L-1041First-time buyer in Carlsbad, two months out, worried about the payment
L-1043Move-up buyer in Oakland with a home to sell, about four months out
L-1045Buyer in Austin, about six months out, no officer set up for Texas
L-1047Early-stage in Raleigh, over a year out, educational emails only
TakenTaken1
L-1044First-time buyer in Boston, three months out, asking about mortgage insurance
From “just looking” to a loan officer’s phone.
Honestly the payment is what worries me. What if we put down less and kept a cushion?
Morty
Putting less down keeps more cash on hand and raises the monthly payment a little. Would it help to talk that tradeoff through with a loan officer?
Yes, I'd like to connect with Alex.
1
It talks first.
Borrowers ask what they can afford at any hour. Your agent answers, runs the numbers with them, and offers a loan officer when they are ready for one. Lintel calls theirs Morty.
- 90 of 100, Hot
Hot lead
90 of 100
- Timeline
- 26/30
- Moving in about 2 months
- What they asked for
- 21/25
- Asked to talk with a loan officer
- How complete their picture is
- 25/25
- Shared income, monthly debts, down payment, where they are looking, and an estimate
- Engagement
- 18/20
- 9 messages in the conversation, tried more than one scenario, asked for a phone call, and named a main concern
2
It scores what was said.
Every lead gets a score from 0 to 100, built from four things a loan officer can check against the conversation. The reasons sit right beside the number.
Dibs by Full Count Creative: new HOT lead (90) for Alex Templeton. Priya, Carlsbad, CA, ~2 mo out, wants a call. Reply 1 to take it, 2 to pass. Ref L-1041
1
L-1041 is yours. Priya: (760) 555-0118, asked for a call. - Compared two down payments: lead with the monthly payment, not the price - Two months out: offer a preapproval review this week Brief: https://lintel.example/crm?lead=L-1041
3
It finds the right officer.
Routing rules match the lead to the loan officer set up for that market and that kind of borrower, then text them. Reply 1 and the lead is theirs. That is dibs.
Some things it never looks at.
Lending has rules about what may decide who gets a call. Dibs is built so the wrong things never reach the score or the routing in the first place.
Whether, never how much
The score counts whether a borrower shared their income, debts, or savings. The size of the number never moves it.
Place, pace, price, goal
Routing reads where the borrower is looking, their timeline, their price range, and their goal. Never income, credit, a name, or anything personal.
An order, not a decision
A score decides who gets called first. It is not an eligibility decision, and the desk says so beside every one.
Nothing private in a text
The alert that reaches a loan officer's phone carries no contact details. Those arrive once someone takes the lead.
Hello, my name is
Morty
Lintel runs on Dibs
Lintel calls theirs Morty.
Lintel is a direct home lender. Morty sits on its site and talks borrowers through what they can afford. When one asks for a person, the lead lands on Lintel’s desk, scored and routed across a roster of 4 loan officers.