Polly Information

How much did we actually make on that loan, and why? The mortgage industry has never been able to answer that with confidence. Polly can. Polly is the only AI-native, vertically integrated capital markets operating system for mortgage lenders. Precision pricing. Maximum profit. With PollyOS, product, pricing, and eligibility (PPE), pipeline hedging, loan trading, and secondary accounting run on one data foundation. Every loan is priced, hedged, and sold from a single record, with every basis point of margin attributed from rate lock through settlement. Nothing is exported, imported, or reconciled: the position on the screen is the position the lender holds at that moment. Legacy platforms were assembled through acquisitions, each with its own architecture, data model, and version of the truth. Polly was purpose-built on one AI-native foundation, with patented agentic AI running through every layer, from implementation to execution. Half of our team works in R&D, so the platform compounds in capability every week. The nation's leading banks, credit unions, and independent mortgage lenders run on Polly to capture more margin, outpace the market, and turn secondary execution into bottom-line results. Polly is headquartered in San Francisco, with teams in New York and Dallas, and has been named one of Forbes' America's Best Startup Employers two years running. See what you actually made on every loan. Request a demo at polly.io.