Advancements power loan-level optimization, increase conversions, and drive costs down

SAN FRANCISCO: Polly, the leading provider of innovative enterprise technology and artificial intelligence for mortgage capital markets, continues to redefine industry standards, including the loan officer (LO) experience in its next-generation product, pricing, and eligibility (PPE) engine. Bolstered by Polly/™ AI, which leverages state-of-the-art AI/ML algorithms and Polly's proprietary technology, data, and analytics, these enhancements further the best-in-class flexibility, automation, and real-time decision-making available to loan officers and mortgage brokers.

LOs and mortgage brokers benefit with Polly's advancements, which now include:

• In-field mobile functionalities:
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  • Lock from anywhere: Polly's next-generation platform has always powered on-the-spot decisioning and streamlined communication. As the company continues to evolve its platform, mobile remains at the forefront. With its latest enhancements, Polly enables loan officers to lock directly within the engine at the immediate point of need—and from any device. With interest rates in flux, this flexibility is especially crucial for not only retaining borrowers, but delivering an exceptional level of service.
    
  • Real-time response to a borrower's change in circumstance: The ability to also conduct any and all post-lock actions on mobile further drives a superior and modern lending process. With reprice workflows specifically, visibility into impacted pricing and interest rates on the go ensures that in-field sales teams can keep channels of communication open with their borrower at all times, building crucial trust amid changing circumstances.

Whether at initial or post-lock via mobile, loan officers can seamlessly access their LOS pipeline within Polly. The platform will auto-return search results based on the latest available data, enabling the user to select the product, rate, and price they wish to lock. This seamless, real-time integrated data component has been a longstanding pillar of the Polly platform and accessibility via mobile further facilitates end-to-end transparency and value.

• AI-powered automation: With Polly's enhanced near-miss detection, loan officers gain instant visibility into distinct opportunities to improve borrower outcomes, such as opportunities to lower interest rates or down payments, and more. These actionable engagements thoughtfully guide the LO or mortgage broker to the most favorable loan option for their borrower.

• New conversational AI agent: Loan officers and mortgage brokers are intuitively ushered through any unique scenario with natural language, no matter how complex. Conversational AI provides instant and concise clarification on ineligible products, pricing options or borrower-specific scenarios, and the path toward eligibility—also accessible via mobile from any device.

"We are on the cusp of one of the biggest technological shifts in our industry. Simply put, siloed, legacy solutions are incapable of delivering a cohesive and best-in-class experience," explained Adam Carmel, Founder and CEO of Polly. "We continue to collaborate with our customer partners to address unique and evolving lender objectives, and deliver above and beyond industry expectations. Being mobile-first and our continued Gen AI advancements are just a few examples of the transformation Polly continues to bring to the table."

A recognized pioneer in mortgage capital markets, Polly has redefined the industry paradigm with a relentless focus on driving down the cost of origination, optimizing lender profitability, maximizing margins at scale, and delivering a world-class loan officer experience. Purpose-built on a high-performance, cloud-native infrastructure, Polly's state-of-the-art technology ensures that users have immediate access to new features and functionality as the platform continues to evolve.

Polly is attending the 2025 MBA Secondary and Capital Markets Conference in New York, May 18-21. To experience Polly's native mobile locking in action and learn more about how the company is pioneering the next generation of mortgage capital markets technology, #MBASecondary25 attendees are encouraged to schedule a meeting or join Polly's attending team at Bar 54.

About Polly

Polly has pioneered the next generation of mortgage capital markets technology with its cutting-edge, data-driven platform. Its enterprise-grade solutions, including the industry's only cloud-native, commercially scalable product, pricing, and eligibility (PPE) engine and first-of-its-kind Polly/™ AI platform, empower the nation's top banks, credit unions, and mortgage lenders to increase profitability, automate workflows, and revolutionize the loan officer and broker experiences. As a mortgage technology trailblazer, Polly is committed to driving meaningful value and ROI through best-in-class innovation that enables unlimited configurability, flexibility, granularity, and scalability. Polly was founded by a seasoned team of mortgage capital markets and technology experts and is headquartered in San Francisco, California. To learn more, follow Polly on LinkedIn or visit www.polly.io.