Lender Luminaries: Remarkable Mortgage
In the next edition of our Lender Luminaries series, we are proud to feature Remarkable Mortgage, a division of Oconee State Bank, and spotlight how their laser focus on consistent, innovative operations enabled them to achieve impressive growth despite market challenges.
Lenders have continued to face a strenuous landscape since the pandemic, and the pressure isn't letting up. Today's mortgage environment demands speed and accuracy at every stage of the loan life cycle. For delegated correspondent lenders such as Remarkable Mortgage, the stakes are even higher. They operate with the complexity of a lender while maintaining the pricing flexibility of a broker. That dual mandate requires a mortgage tech stack that can provide reliable, real-time pricing visibility, investor eligibility guardrails, and seamless integration across every system, from the product and pricing engine to loan origination systems and CRMs. Without that solid foundation, loan officers are left toggling between platforms, losing time, losing deals, and dampening borrow trust.
Instead of helping mitigate the issue, legacy vendors are exacerbating these challenges. Their fragmented, old-school solutions are slow, error-prone and inflexible, and by dragging out upgrades and ignoring innovation at scale, they have been holding back their clients from maximizing revenue and gaining a true competitive edge.
Accessing speed and accuracy
Here at Polly, we're just as frustrated with legacy solutions as the broader industry is, and it's our mission to ensure lenders and their loan officers can have it all: speed, precision, intuitive user experiences, and the flexibility to compete on their own terms. That's why we pioneered the industry's first adaptive, cloud-native platform designed to deliver exactly that, with intelligent automation that reduces administrative burden and empowers teams instead of slowing them down.
Our customer partners agree. "Polly allows us to see accurate pricing very quickly, rather than going into every single investor one by one and trying to figure out who's winning today," explains Remarkable Mortgage's President and Co-Founder Charlie Fleming in a recent HousingWire Leading Lenders episode. "Having a platform that allows us to provide that level of certainty to loan officers is absolutely fantastic. It could be very fast, but it has to be accurate as well."
Noticing an industry-wide shift of larger banks to Polly, Remarkable Mortgage selected our next-generation PPE engine for its unmatched UX/UI, loan officer configurability, and lock flexibility. The collaboration has enabled real-time price transparency across their full investor network, built-in guardrails to ensure and accelerate accurate locking, and seamless API connections that eliminate lag and manual input.
A partnership built on alignment
Powered by the right tech and tooling, Remarkable Mortgage sharpened its operations around predictability. In fact, their consistency enabled them to grow loan volume by 50%.
Choosing the right technology stack means choosing the right partners. It's equally as much about reliability as it is about growth and culture alignment. Together, Remarkable Mortgage and Polly are proving what's possible when innovation meets this alignment and operational discipline.
"We feel very valued. We feel very seen. What's unique about Polly, they want to grow with us," Fleming says to HousingWire. "We wanted that alignment, not only from a growth standpoint, but also culture. We wanted to be able to get on the phone and say, hey, we got this problem, somebody hop on a Zoom call and, snap of a finger, they're there."
Keep an eye out for more Lender Luminaries stories from our customer partners pushing mortgage capital markets forward.