I always thought of MILF more as an age thing...it's already been addressed on danbooru that loli doesn't apply to age so much as it applies to shape of body, I guess I assumed MILF wasn't motherhood as much as a hot woman of a certain age category.
Except for the fact that the origin of the term is MOTHER I'd Like to Fuck. Maybe "mature" would be better if there weren't a KoF character by that name. Come to think of it, I wouldn't call her a milf anyway. She looks twenty-something.