Poli Mortgage

What Poli Mortgage does

Poli Mortgage Group is a privately held regional mortgage lender founded in 2001 by Chip Poli, operating as a division of radius financial group inc. (NMLS #1846) out of Norwell, Massachusetts. The company originates residential and commercial mortgage loans across six licensed states (CT, FL, ME, MA, NH, RI), offering a broad product suite that includes Conventional, Condo, Jumbo, FHA, VA, USDA, DSCR, Commercial, Bridge, Community, Healthcare Workers, and Construction & Rehab loans. Its go-to-market is direct-to-consumer, combining phone-based branch manager relationships (notably Branch Manager Sarah Zagaglia-Joy, NMLS #1914862), a secure online application portal at myloan.poligrp.com, and a referral engine evidenced by 400+ five-star customer stories.

The business model is transaction-based: revenue is generated through mortgage origination fees, interest-rate margin capture, and ancillary servicing or bridge-loan income, with pricing set per loan program and disclosed only after application review. Differentiation comes from three signature programs rather than rate competition: the FreeFi Refinance Program (three-year rate-protection guarantee), the Pre-Approval Promise ($10,000 seller payment and up to $1,000 inspection/appraisal reimbursement if financing fails), and the Portfolio Bridge Loan (equity-access financing to buy before selling). The company targets a hybrid segmentation of home buyers and sellers, real estate investors, veterans and military, healthcare professionals, and first-time buyers, addressing pain points around competitive-offer certainty, timing flexibility between transactions, and non-traditional income qualification.

Operational footprint is small at 11-50 employees, with technology limited to an encrypted online application and document-upload portal rather than proprietary AI or automated underwriting systems. The parent radius financial group inc. structure provides multi-state licensing, regulatory compliance, and corporate infrastructure, while Poli Mortgage functions as the consumer-facing origination brand. Industry recognition includes Inc. 500, Banker & Tradesman Best Of, HousingWire, Best Places to Work, and a Most Innovative Company Technology citation, supporting a reputation-based rather than technology-driven competitive position.

Name

Poli Mortgage

Legal name

radius financial group inc.

Website

https://polimortgage.com

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

Poli Mortgage Group is a privately held regional mortgage lender, founded 2001, operating as a division of radius financial group inc. and licensed across six states. It originates residential and commercial loans through direct phone sales, an online application portal, and signature guarantee programs targeting home buyers, investors, veterans, and healthcare professionals.

Ownership category

akta.pro rank

Product category

Residential Mortgage Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162), Loan Brokers (6163)

akta.pro primary industry

SME Commercial Real Estate (CRE) Lending (FSABABAG)

Keywords

• Residential mortgage lending
• Home loan origination
• Mortgage refinancing
• Commercial real estate loans
• Government-backed mortgages

Headquarters

HQ city

Walpole

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Mortgage Origination: Poli Mortgage Group generates revenue through originating mortgage loans for home buyers and refinancing. The company is a division of radius financial group inc. (NMLS #1846) and earns fees from loan origination, interest rate margins, and potentially servicing rights.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Poli Mortgage Group originates and funds residential and commercial mortgage loans for individual consumers and real estate investors across CT, FL, ME, MA, NH, and RI. The core offering spans conventional, government-backed (FHA, VA, USDA), jumbo, condo, DSCR investment-property, commercial, bridge, community, healthcare-worker, and construction & rehab loan programs, paired with distinctive guarantee-style programs (FreeFi Refinance, Pre-Approval Promise, Portfolio Bridge Loan) that address competitive-offer risk, rate uncertainty, and buy-before-sell timing.

Product overview

Poli Mortgage is a mortgage lending company offering a unified suite of residential and commercial loan products. The core product portfolio comprises multiple loan programs including Conventional, Condo, Jumbo, FHA, VA, USDA, DSCR (investment property), Commercial, Bridge, Community, Healthcare Workers, and Construction & Rehab loans. These products are complemented by distinctive guarantee programs including the FreeFi Refinance Program (rate protection), Pre-Approval Promise (financing guarantee), and Portfolio Bridge Loan. The company also provides digital tools including a mortgage calculator and an online application portal with encrypted document upload capabilities.

Differentiator

Problem solved

Functional benefit

Products and services

• Conventional Loans

Quantifiable outcome

• $10,000 payment to seller if buyer financing not approved under Pre-Approval Promise
• +2 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

One partnership is on record.

• Radius Financial Group Inc.OthersPoli Mortgage Group is a division of radius financial group inc. (NMLS #1846). Radius Financial Group is the parent company and Equal Housing Lender that provides licensing and corporate infrastructure for Poli Mortgage operations.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Rocket Mortgage: Largest U.S. retail mortgage lender and digital-first originator. Directly comparable to Poli on Conventional, FHA, VA, and Jumbo offerings but operates at vastly greater scale with proprietary technology; serves as the dominant incumbent Poli competes against for direct-to-consumer volume.
• loanDepot: National retail and wholesale mortgage lender offering Conventional, FHA, VA, USDA, and Jumbo products. Comparable to Poli on loan program breadth and direct-to-consumer motion, with retail branch footprint in many of the same states; much larger origination volume.
• NewRez (New Residential Mortgage): Large national mortgage originator and servicer offering a broad retail and wholesale product set. Comparable to Poli on Conventional, FHA, VA, and specialty products; larger scale and broader geographic reach create direct competitive overlap.
• United Wholesale Mortgage: Largest U.S. wholesale mortgage lender, dominant in the broker channel that competes with retail direct-to-consumer models like Poli's. Comparable on Conventional, FHA, VA, Jumbo, and DSCR offerings; sets industry pricing benchmarks that influence Poli's retail rates.
• Caliber Home Loans: National retail and wholesale mortgage lender with broad product mix including Conventional, FHA, VA, Non-QM (comparable to Poli's DSCR), and specialty investor programs. Direct competitive overlap with Poli on retail purchase and specialty investor lending.

Direct peers

• Guaranteed Rate: Mid-size retail mortgage lender competing head-to-head with Poli for direct-to-consumer purchase and refinance volume, with similar loan program breadth (Conventional, FHA, VA, Jumbo) and a comparable relationship-driven branch model. Particularly relevant given overlapping East Coast and Florida presence.
• CrossCountry Mortgage: Direct-to-consumer retail mortgage lender with multi-state branch operations and a similarly broad loan product portfolio. Comparable mid-size competitor to Poli with overlapping geographic coverage and a comparable in-person loan-officer-driven origination model.
• Movement Mortgage: Privately held, founder-led retail mortgage lender offering Conventional, FHA, VA, USDA, and Jumbo programs. Highly comparable to Poli in scale, culture-led brand, and direct-to-consumer branch strategy, with similarly strong word-of-mouth-driven growth.
• Guild Mortgage: Retail mortgage lender with broad Conventional, FHA, VA, USDA, Jumbo, and specialty programs (including healthcare and professional loan programs analogous to Poli's Healthcare Workers program). Direct mid-size competitor with overlapping retail branch model.

Emerging players

• Better.com: Digital-first mortgage lender competing on speed, online application experience, and rate transparency. Comparable to Poli on retail purchase and refinance offerings, but operates with substantially different economics and proprietary technology; represents the digital threat to Poli's relationship model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/poli_mortgage
• Facebookfacebook.com/polimortgage
• LinkedInlinkedin.com/company/poli-mortgage-group

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Poli Mortgage