Polly
- Company typePrivate
- Founded2019
- HeadquartersSan Francisco, United States
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
Polly firmographics
Firmographics- Name
- Polly
- Legal name
- PollyEx, Inc.
- Website
- https://polly.io
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Polly industry classification
Industry- Product category
- Mortgage Capital Markets Technology
- NAICS
- Software Publishers (5132)
- SIC
- Services-Prepackaged Software (7372), Loan Brokers (6163)
- akta.pro primary industry
- Product, Pricing & Eligibility (PPE) / Rate Lock & Pricing Engines (FSALALAC)
- akta.pro secondary industry
- Equity Capital Introduction & Prime Services (FSACAFAK)
Keywords
Where Polly is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Polly business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- SaaS Subscription: Polly operates as a SaaS technology company providing a cloud-native software platform for mortgage capital markets. The platform is offered as a subscription-based service to mortgage lenders, with pricing based on subscription model. The company provides dedicated implementation support and customer success resources as part of the service offering.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Quote-based enterprise pricing |
Go-to-market motion2 records
Distribution channels2 records
Marketing channels6 records
Polly product offering
Product offeringCore offering
Polly operates a cloud-native, vertically integrated SaaS capital markets platform for mortgage lenders, automating and optimizing the value chain from rate lock through loan sale and delivery. The platform consists of three core products: the Product and Pricing Engine (PPE) for loan pricing and lock management, the Loan Trading Exchange for connecting mortgage loan buyers and sellers, and Polly/AI for AI-powered loan eligibility conversion and outcome optimization, complemented by Data & Analytics capabilities.
Product overview
Polly operates the mortgage industry's only vertically integrated capital markets SaaS platform. The platform consists of three core products: the Product and Pricing Engine (PPE) for loan pricing and lock management, the Loan Trading Exchange for connecting mortgage loan buyers and sellers, and Polly/™ AI for AI-powered loan optimization. These are complemented by Data & Analytics capabilities providing real-time insights. Built cloud-native with patent-pending technology, the platform spans the entire mortgage value chain from rate lock through loan sale and delivery.
Differentiator
Problem solved
Functional benefit
Products and services
- Product and Pricing Engine (PPE)
Quantifiable outcome
- Implementation time reduced from 180+ days to 4-6 weeks average
- +3 more outcomes
Companies that use Polly
Customer profileNamed customers10 records
Segments3 records
Ideal customer profiles2 records
Polly technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability7 records
Feature5 records
Polly partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor and core.
- Cordless.cominorJoint partnership to elevate rate table services and lender marketing. Combining Cordless' technological and marketing expertise with Polly's next-generation PPE brings more dynamic and transparent rate table solutions to the industry.
- CapitalW CollectiveminorStrategic alliance supporting women in mortgage capital markets. Underscores CapitalW Collective's mission to create more inclusive and dynamic mortgage capital markets, one woman and ally at a time.
- Freddie MaccorePolly has worked with Freddie Mac since bursting onto the scene in 2019 with the industry's first cloud-native, vertically integrated capital markets solution. The relationship involves integration and support for secondary marketing technology.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Polly competitors and assessment
Company assessmentDirect peers
- Optimal Blue: Optimal Blue is a market-leading provider of mortgage product, pricing, and eligibility (PPE) engines and secondary marketing technology, competing directly with Polly's core Product & Pricing Engine for lender capital markets teams.
- Maxwell: Maxwell is a digital mortgage platform for lenders providing point-of-sale, CRM, and capital markets-adjacent functionality. It competes with Polly for the same U.S. mortgage lender customer base seeking modern, cloud-native tooling.
- BeSmartee: BeSmartee is a mortgage technology platform offering digital POS, LOS, and pricing automation for lenders. It is comparable to Polly as a cloud-native challenger in mortgage lender technology stacks.
- LendingPad: LendingPad is a cloud-based mortgage loan origination system that competes with Polly-adjacent pricing and lock workflows. Polly already has an integration partnership with LendingPad, illustrating direct product overlap in lender capital markets automation.
- Cloudvirga: Cloudvirga is a digital mortgage point-of-sale and automation platform for lenders. It is comparable to Polly as a cloud-native challenger addressing capital markets-adjacent workflows in mortgage origination.
Broad incumbents
- ICE Mortgage Technology: ICE Mortgage Technology (formed via Intercontinental Exchange's acquisition of Black Knight) is the largest incumbent in mortgage origination, servicing, and capital markets technology. It competes with Polly in pricing, lock, and capital markets workflows as part of a much broader LOS/servicing portfolio.
- Mortgage Cadence: Mortgage Cadence (acquired by Accenture) provides enterprise loan origination systems and digital mortgage platforms. It overlaps with Polly in capital markets and pricing functionality embedded within its broader LOS offering.
- FIS LoanSphere: FIS LoanSphere is a large-scale mortgage servicing and origination technology suite from FIS. It competes with Polly in capital markets-adjacent workflows for banks and large lenders as part of a comprehensive mortgage platform.
- SimpleNexus (nCino): SimpleNexus, part of nCino, provides a digital mortgage point-of-sale and borrower engagement platform. It targets similar U.S. lender customers as Polly and competes for share of modern mortgage technology budgets.
Emerging players
- Mortgage Builder (Constellation Mortgage Solutions): Constellation Mortgage Solutions' Mortgage Builder is a loan origination system for banks, credit unions, and mortgage bankers. It is comparable to Polly as a lender-focused technology platform, though with less specialization in capital markets and PPE.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Polly social profiles
Digital presencePolly compliance and trust
Trust signalCompliance1 record
Polly financial estimates
Financial estimateRevenue estimate
Valuation estimate
Polly leadership team
Management profileNumber of profiles
Profiles9 records
Polly funding detail
Funding detailFunding overview
Funding rounds3 records
Investors12 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Polly M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Polly
What does Polly do?
Polly operates a cloud-native, vertically integrated SaaS capital markets platform for mortgage lenders, automating and optimizing the value chain from rate lock through loan sale and delivery. The platform consists of three core products: the Product and Pricing Engine (PPE) for loan pricing and lock management, the Loan Trading Exchange for connecting mortgage loan buyers and sellers, and Polly/AI for AI-powered loan eligibility conversion and outcome optimization, complemented by Data & Analytics capabilities.
Is Polly a public or private company?
Polly is a private company. It is classified as venture growth investor backed and is currently operating.
When was Polly founded?
Polly was founded in 2019. It employs 101 to 250 people.
Where is Polly based?
Polly is headquartered in San Francisco, United States, in the North America region.
How does Polly make money?
One revenue line is on record: saaS Subscription.
Who are Polly's main competitors?
Direct peers on record are Optimal Blue, Maxwell, BeSmartee, LendingPad and Cloudvirga. Broad incumbents are ICE Mortgage Technology, Mortgage Cadence, FIS LoanSphere and SimpleNexus (nCino). Mortgage Builder (Constellation Mortgage Solutions) is listed as an emerging player.
Does Polly have an API?
Yes. Polly offers real-time API integrations that enable lenders to connect their systems for pricing automation and process automation. The API supports data exchange between Polly's platform and lender systems, enabling real-time pricing updates and workflow automation across the mortgage capital markets value chain.
What industry is Polly in?
Polly's product category is Mortgage Capital Markets Technology. Its primary akta.pro industry code is FSALALAC, Product, Pricing & Eligibility (PPE) / Rate Lock & Pricing Engines, with a secondary code of FSACAFAK, Equity Capital Introduction & Prime Services. Its NAICS code is 5132 and its SIC code is 7372.