Polly, the only AI-native, vertically integrated mortgage capital markets operating system, today announced that its patented agentic AI now runs through every stage of the platform, from a pre-signature implementation that takes lenders live in a matter of weeks, through pricing, execution, and settlement. The milestone builds on a trajectory that began in 2021, when Polly introduced the industry’s first cloud-native, commercially scalable Product, Pricing, and Eligibility (PPE) engine, and it reflects a company that has continued to advance in lockstep with the technology frontier ever since.

Mortgage capital markets have carried a speed and efficiency gap for decades. Polly was founded to solve legacy inefficiencies and entirely rebuild the architecture of capital markets. Every advance in agentic technology Polly makes returns capacity to lender teams, and that capacity translates directly into profitability and a superior loan officer and broker experience.

DAY 1 IS A REVEAL, NOT A KICKOFF

One visible expression of Polly’s AI-native architecture is its implementation experience, which the company has redesigned end to end. As a result of continued strong demand for its pricing engine and related products, the company has introduced an agentic four to six week implementation process.

  • Polly Jumpstart is a pre-signature program that brings prospective customers approximately 80% of the way through platform setup before they sign. By the time a lender executes an agreement, their pricing engine is already largely taking shape.
  • Polly Implementation then carries a signed customer partner to a fully verified, production-ready environment in four to six weeks, against an industry norm of several months.

Day 1 of a Polly implementation is a prototype reveal, not a planning session. There is zero manual data entry between deal signature and the first customer touchpoint. By Day 11, AI has generated a complete framework of best-practice scenarios by channel. By Day 24, the platform has been validated against every predefined success criterion and is handed to the lender customer ready for production.

Because AI handles the configuration work in parallel, Polly’s expert team of implementation consultants can focus their attention on customer strategy, complex edge-case resolution, and change management. Every engagement includes a dedicated change management track that runs alongside the technical build.

“From the first session, Polly changed our expectations for what an implementation should look like,” said a capital markets executive at an independent mortgage lender currently implementing Polly. “The pace we have set together and the responsiveness of the team are unlike anything we have experienced with a pricing engine.”

PATENTED TECHNOLOGIES

Polly’s depth of AI engineering is now formally recognized. The United States Patent and Trademark Office has granted Polly patents covering the agentic AI framework that powers the platform, with additional applications pending. The grants underscore a pattern that has defined the company since inception: Polly builds at the leading edge of what technology makes possible.

The company continues to invest in research and development at the frontier of applied AI, and that investment is about to become more visible. In the coming weeks, Polly will introduce additional capabilities that further extend its AI-native architecture into workflows that have remained stubbornly manual across the industry.

“Polly has led this category since the day we brought the first cloud-native pricing engine to market, and we have never stopped building toward what comes next,” said Adam Carmel, Founder and CEO. “Agentic AI is the most consequential shift our industry has seen, and our customer partners are already operating inside it, on a platform that compounds in capability every week. That is the standard we defined at the outset, and it is the standard we intend to accelerate.”

Polly will attend the 2026 MBA Annual Convention and Expo in Chicago, October 11-14. To see the platform in action, or for a sneak preview of what will be introduced in the weeks ahead, #MBAAnnual26 attendees are encouraged to schedule a meeting with Polly’s attending team.

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, visit www.polly.io or follow Polly on LinkedIn.

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