AI-native capital markets operating system

Precision pricing. Maximum profit.

The system of record for mortgage capital markets. One live, loan-level source of truth powering every decision, driven by agentic intelligence.

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The Receipts

Excellence isn't an accident.
It's an engine.

"Polly has taken advantage of the new technology that is out there and really made our lock desk an area of strength at SecurityNational. A prime example of what that has done for us is we are a company that did $2.3B in originations last year. We have two lock desk individuals! Polly enabled that because of the automation and the ease of use. We can run lean and yet be a very high-touch organization."

Andrew Quist

SecurityNational Mortgage Company

"Polly's product line was exactly what we needed. They offered a product that gave us the ability to get as granular as we possibly could with our pricing strategy. Our partnership with Polly is critical to our success... we're focused on faster, easier, and smarter, better technology."

Dawn Kells Meshel

Plaza Home Mortgage

"One of the things I loved about Polly was that they didn't want to just put me into a cookie-cutter template. We operate different than a lot of lenders, and we needed a company that allowed us to do that."

Diego Martinez

BTG Pactual

"Polly is building the next generation suite of capital markets technology... solving complex challenges that have plagued the industry. By breaking old habits and redefining the mortgage process through innovation and modern technology, Polly is able to improve the daily lives of mortgage originators and solve pain points in a very unique and forward-thinking way."

Andrew Bon Salle

Board Member, Polly

"I have spent three decades in mortgage capital markets, much of it building the systems lenders still use today. The industry has always talked about leakage in gross, estimated terms because that was the best legacy architecture and workflow allowed. Polly started from a different premise entirely: one integrated engine, one loan record, and loan-level attribution as a property of the operating system rather than a report generated after the fact. That premise changes what a capital markets team can know, as well as how fast they can act on it."

Rob Kessel

Panoramic Capital Academy

"There were obvious wins there [in signing with Polly], from speed, tech advancement... but none of that works without a vision and without the customer service behind it. Ultimately we chose Polly because they were more than just the tool itself."

Matt Brand

Flat Branch Home Loans

"When we're looking at new technology and new vendors, we're doing it with one key question in mind: 'Does it improve the borrower experience, does it improve our loan officers' experience?' ...and that's why we chose to move forward with Polly."

Jamie Duda

Flat Branch Home Loans

"We are building something extraordinary, so it was essential that we partner with a tech pioneer like Polly that could support and enhance our vision. With Polly's expertise and market leadership in terms of innovation, we've created a robust infrastructure that is creating true value and those high-impact touchpoints that are so important for our customers."

Rob Pieklo

eLEND

"We are very closely partnered with Polly to make sure from a pricing strategy, that we can offer our loan officers, borrowers, and customers the absolute best option to suit their financial needs."

KRISTIN ANKENY BICKENBACH

/ NEW AMERICAN FUNDING
Where Margin leaks

What legacy vendors won't say.

Can legacy platforms actually tell you where your margin went?

They can't, at least not loan by loan. Legacy tech reports leakage in gross, estimated terms because that's all a patchwork of systems allows. Polly attributes every basis point to a stage and a driver, from rate lock through settlement, so you see exactly what was given away, and why.

How much margin leaks between a market move and your next reprice?

More than most legacy vendors will admit. When pricing depends on rate sheet cycles and batch recalculation, every intraday move opens a window where loans lock at a stale price. Polly prices in real time, so your pricing moves the moment the market does.

Is switching PPE engines really riskier than staying?

The fear of switching pricing engines is the incumbent's best retention strategy. But every month on legacy tech carries its own cost: concessions you can't trace, exceptions you can't see, and margin that quietly compounds away. Polly gets lenders live in a matter of weeks, so the leak stops sooner.

Can AI fix a pricing engine that was built over two decades ago?

AI layered on legacy architecture inherits the batch cycles, data seams, and processing limits underneath it. It can make an old workflow faster, but it can't make it smarter than the data it sits on. Polly's patented agentic AI runs on a single, modern data foundation, so it catches leaks as they happen, not after the fact.

Ready when you are

Experience the power of Polly.

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