Polly

Overview

Polly runs a mortgage capital markets platform for United States banks, credit unions and mortgage lenders, built around a cloud native product, pricing and eligibility engine, alongside a loan trading exchange, a lender analytics product and a partner platform. The pricing engine carries loan products from hundreds of investors across conforming, government, construction, housing finance authority, non conforming, non qualified mortgage and portfolio categories, automates lock desk workflows including locks, extensions, relocks, repricing, price exceptions and float downs, and maps standard and custom fields into a lender's loan origination system through its interfaces. Polly AI, launched in May 2024, sits on top of that engine. Its first application is a loan officer agent reachable by instant message or voice on web and mobile that examines near miss eligibility and near miss pricing, interprets the mathematical and logic based statements explaining why a loan is ineligible, and returns specific suggested actions, so an officer can find the closest qualifying product rather than simply learning that the loan does not fit. The company reports that more than 1,250 employees at New American Funding actively use the platform and that it has provided clarity on over 7,200 ineligible products there, and that ResiCentral tripled year on year volume in 2024 without adding secondary, capital markets or lock desk staff. American Financial Resources adopted the pricing engine in 2025. Founded in 2019 and headquartered in San Francisco, Polly raised a 37 million dollar Series B in 2022 and a further 25 million dollars in 2024, and employs a dedicated team of AI engineers. It publishes no security certification, no model documentation and no pricing.

Details

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