Polly Mortgage Pricing Engine API
Polly Mortgage Product and Pricing Engine (PPE) REST API for real-time mortgage pricing, product eligibility, and secondary market automation. Enables AI agents to manage real-time mortgage product pricing and rate sheet generation for lender pricing automation, handle borrower eligibility and product matching for loan officer automation, access investor pricing and commitment management for secondary market execution, retrieve lock and float-down pricing for rate lock automation, manage product guideline and underwriting eligibility for automated guideline matching, handle hedge strategy and pipeline risk management for capital markets automation, access competitive pricing analytics and market intelligence for pricing strategy, retrieve rate alert and pricing notification for lock desk automation, manage multi-channel pricing (retail, wholesale, correspondent) for distributor pricing automation, and integrate Polly with LOS (Encompass, Byte Pro, Calyx), POS, and secondary market systems.
Score Breakdown
⚙ Agent Friendliness
🔒 Security
Mortgage pricing. SOC2. OAuth2. US. Mortgage pricing and loan data.
⚡ Reliability
Best When
A mortgage lender, bank, or credit union wants AI agents to automate mortgage product pricing, borrower eligibility matching, rate sheet generation, secondary market execution, and capital markets hedge management.
Avoid When
TILA-RESPA INTEGRATED DISCLOSURE (TRID) RISK: Automated mortgage pricing that generates Loan Estimate disclosures must comply with TRID tolerance thresholds; automated pricing errors that generate incorrect Loan Estimates create tolerance cure obligations and CFPB examination findings. Fair lending pricing risk — automated mortgage pricing algorithms must be tested for disparate impact on protected classes (race, national origin, sex); automated pricing that results in differential pricing for comparable borrowers creates ECOA and FHA fair lending liability. Secondary market investor eligibility — automated best execution and investor selection must comply with investor eligibility guidelines and geographic restrictions; automated loan delivery to ineligible investors creates put-back risk.
Use Cases
- • Generating real-time rate sheets from pricing agents
- • Matching borrowers to products from eligibility agents
- • Executing secondary market locks from capital markets agents
- • Monitoring competitor pricing from pricing strategy agents
Not For
- • Non-mortgage financial products without PPE requirements
- • Lenders without secondary market pricing complexity
- • Consumer-facing rate quote tools without lender backend integration
Interface
Authentication
Polly uses API key and OAuth 2.0. REST API with JSON. San Francisco, California HQ. Founded 2019. Private (Menlo Ventures, 8VC, Kleiner Perkins). Cloud-native mortgage PPE competing with legacy Optimal Blue. 200+ lender customers. API-first mortgage pricing platform. Competes with Optimal Blue, MeridianLink, and Black Knight for mortgage product and pricing.
Pricing
San Francisco. Founded 2019. Menlo/8VC/Kleiner-backed. 200+ lender customers. Cloud-native mortgage PPE. Competes with Optimal Blue and Black Knight PPE.
Agent Metadata
Known Gotchas
- ⚠ TRID LOAN ESTIMATE ACCURACY: Automated mortgage pricing generating Loan Estimate disclosures must comply with TRID tolerance thresholds; automated pricing errors in disclosed fees create tolerance cure obligations and CFPB examination risk
- ⚠ Fair lending disparate pricing — automated mortgage pricing algorithms must be tested for disparate impact on race, national origin, and other protected classes; automated pricing that creates differential pricing for comparable borrowers creates ECOA and FHA violation
- ⚠ Secondary market investor eligibility validation — automated best execution must validate investor geographic restrictions, loan size limits, and product eligibility; delivery to ineligible investors creates put-back (repurchase) demand risk
- ⚠ Rate lock automation timing risk — automated rate lock execution must account for investor lock desk hours and lock request deadlines; automated locks submitted after cut-off create pricing slippage and pair-off fees
- ⚠ Market hours and pricing availability — mortgage pricing is dependent on bond market trading hours; automated pricing outside MBS market hours returns stale or unavailable rates; implement market hours awareness
- ⚠ GSE guideline changes — Fannie Mae and Freddie Mac underwriting guideline updates affect product eligibility; automated eligibility matching must account for guideline effective dates and lender overlays
Alternatives
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Scores are editorial opinions as of 2026-03-07.