Polly Pushes PPE Setup Into The Pre-Contract Stage – NMP Skip to main content

Polly Pushes PPE Setup Into The Pre-Contract Stage

Sep 24, 2026
Polly Pushes PPE Setup Into The Pre-Contract Stage

The mortgage technology provider says AI-assisted configuration can get prospective customers much of the way through setup before they sign

Switching a mortgage lender's pricing engine isn't exactly a plug-and-play exercise.

Polly says it has found a way to move much of that work earlier in the process — before a lender has even signed a contract.

The mortgage technology provider announced Tuesday that it has revamped implementation of its product, pricing, and eligibility (PPE) engine, using artificial intelligence to automate portions of the setup and configuration process.

Under a new program called Polly Jumpstart, the company says prospective customers can be roughly 80% through the initial platform setup before signing an agreement. Once a contract is executed, Polly says it can take a lender to a verified, production-ready environment within four to six weeks.

Rather than waiting for a signed contract to begin configuring the platform, Jumpstart allows some of that work to take place during the sales process. Polly says the first formal implementation meeting can therefore begin with a working prototype rather than a planning session.

The company says artificial intelligence handles configuration work in parallel, while its implementation staff focuses on lender strategy, unusual scenarios, and change management.

Polly laid out a fairly specific timeline for the process. It says its AI can generate a framework of scenarios by lending channel by Day 11 and that the platform can be validated against predetermined criteria and turned over to the lender for production by Day 24.

AI Moves Deeper Into Pricing

The implementation overhaul is part of a broader expansion of AI across Polly's capital markets platform.

Polly's PPE is used to configure mortgage products, pricing and eligibility, and to manage pricing and lock workflows. The company has also previously introduced an AI-powered loan officer tool designed to examine loans that narrowly miss eligibility requirements and identify possible alternatives.

For originators, the technology largely sits behind the rate sheet. A lender's PPE determines which products an LO can offer a particular borrower, the pricing available on those products, and whether the borrower meets the applicable eligibility requirements.

Polly's latest move applies AI one step further behind the scenes — to configuring and deploying the system itself.

The company also said its AI framework has received patent protection from the U.S. Patent and Trademark Office.

Polly says it will introduce additional AI capabilities in the coming weeks.

"Agentic AI is the most consequential shift our industry has seen," Polly founder and CEO Adam Carmel said in announcing the expansion.

 

About the author
Published
Sep 24, 2026
Jobs Report Comes In Weak After Mortgage Rates Surge

Employers added just 29,000 jobs in September, sending Treasury yields lower and offering a potential counterweight to the recent rise in mortgage rates

Oct 02, 2026
Price Cuts Hit Four-Year High As Mortgage Rates Top 7%

More than one in five listings took a price cut in September, but pending sales still posted their sharpest annual decline since March 2025

Oct 01, 2026
Serious Mortgage Delinquencies Rise 19% After Five Months Of Improvement

ICE data shows 574,000 mortgages were at least 90 days past due in August, while early-stage delinquencies remained below year-ago levels

Sep 29, 2026
Smaller Down Payments Give Buyers More Room, But Rates Limit The Savings

The typical down payment fell 9% from a year ago, while shifting market conditions are giving originators different affordability conversations across the country

Sep 25, 2026
Mortgage Rates Break 7% Just As Builders Find A Way To Move Buyers

New-home sales rose 6.4% in August as builders cut prices, offered incentives, and sold more lower-priced homes. Now mortgage rates are moving against buyers again

Sep 25, 2026
Borrowers Want Digital Closings, But Some Originators Remain Hesitant

ServiceLink finds 45% of surveyed LOs cite borrower reluctance as a barrier, even though most recent buyers say digital options would influence their choice of mortgage provider

Sep 23, 2026