About
Polly is a vertically integrated capital markets solution purpose-built for the mortgage industry. Unlike legacy platforms, Polly was engineered in the cloud with a high-performance infrastructure that delivers advanced security, near-infinite scalability, and access to sophisticated data science and machine learning capabilities. At the core of Polly's platform is its patent-pending Product and Pricing Engine (PPE), which maximizes lender margins while ensuring speed, accuracy, and confidence across all loan pricing and lock processes. The Loan Trading Exchange is hedge-agnostic and seamlessly connects mortgage loan buyers and sellers, improving transparency, best execution, and workflow efficiencies throughout the loan sale and settlement cycle. Polly's Data and Analytics module provides real-time, actionable insights into high-impact mortgage operations, equipping users with the market and competitive intelligence needed for better decision-making. The integrated Polly AI empowers loan officers to handle ineligible loans, improve borrower outcomes, and sharpen their competitive edge. Built by seasoned mortgage capital markets professionals, Polly is designed to replace fragmented, manual processes with a streamlined, end-to-end workflow. It is an ideal solution for mortgage lenders, banks, and credit unions looking to modernize their capital markets operations, reduce manual touchpoints, and stay ahead of regulatory requirements.
Key Features
- Patent-Pending Product & Pricing Engine (PPE): Automates and optimizes loan pricing and lock processes to maximize lender margins with speed and accuracy.
- Loan Trading Exchange: A hedge-agnostic marketplace that connects mortgage loan buyers and sellers for best execution and streamlined settlement workflows.
- Real-Time Data & Analytics: Delivers actionable, real-time insights into mortgage operations, providing market intelligence and competitive visibility for informed decision-making.
- Polly AI: AI-powered tools that help loan officers convert ineligible loans, improve borrower satisfaction, and enhance operational efficiency.
- Cloud-Native Infrastructure: Built entirely in the cloud for near-infinite scalability, enterprise-grade security, and access to advanced machine learning capabilities.
Use Cases
- Mortgage lenders automating loan pricing and rate lock workflows to reduce manual touchpoints and improve accuracy.
- Capital markets teams gaining real-time visibility into loan trading and best execution across the secondary market.
- Loan officers using AI-powered tools to evaluate and convert ineligible loan scenarios into viable loan products.
- Operations managers leveraging data analytics dashboards to monitor performance and make informed, competitive pricing decisions.
- Compliance teams staying ahead of regulatory changes with proactively developed platform updates ahead of deadlines.
Pros
- Vertically Integrated Solution: Covers the entire capital markets value chain—from pricing and lock through loan sale and delivery—eliminating the need for disparate systems.
- Built by Industry Experts: The platform was designed by seasoned mortgage capital markets professionals who understand the gaps in legacy solutions firsthand.
- Rapid Regulatory Updates: Polly proactively develops updates for new regulatory requirements ahead of compliance deadlines, reducing compliance risk for lenders.
- Modern Cloud Architecture: Cloud-native design ensures scalability, security, and access to the latest data science and AI tools without costly on-premise infrastructure.
Cons
- Mortgage Industry-Specific: Polly is exclusively built for mortgage capital markets, making it unsuitable for lenders or financial institutions outside of this niche.
- Enterprise Pricing: As an enterprise-grade platform, pricing is not publicly disclosed and may be cost-prohibitive for very small independent mortgage brokers.
- Implementation Effort: While Polly handles much of the onboarding, transitioning from legacy systems still requires a structured implementation and configuration process.
Frequently Asked Questions
What is Polly's Product and Pricing Engine (PPE)?
Polly's PPE is a patent-pending engine that automates and optimizes loan pricing and lock processes for mortgage lenders. It is designed to maximize margins and deliver speed, accuracy, and confidence across all pricing workflows.
How does the Loan Trading Exchange work?
The Loan Trading Exchange is a hedge-agnostic platform that connects mortgage loan buyers and sellers. It improves transparency, best execution, and operational efficiency throughout the entire loan sale and settlement cycle.
What role does AI play in Polly's platform?
Polly AI helps loan officers understand and convert ineligible loans, improve borrower outcomes, increase operational efficiency, and gain a competitive edge through intelligent, data-driven recommendations.
Is Polly suitable for small or mid-sized lenders?
Yes. Polly is designed to help lenders of all types and sizes proactively scale their mortgage operations in a flexible and configurable way, regardless of loan volume.
How secure is the Polly platform?
Polly was built in the cloud using modern cloud technologies and a high-performance infrastructure, enabling advanced security standards and near-infinite scalability for mortgage operations.
