--- title: ON THE PULSE with Polly | Industry insights description: Industry insights | Join other leading lenders and subscribe today! Subscribers will be first to receive commentary, insights, and best practices that can be used to transform mortgage operations and optimize results. --- # [![On The Pulse with Polly](https://connect.polly.io/hubfs/raw_assets/public/Polly-June-2022/images/on-the-pulse.svg)](https://connect.polly.io/on-the-pulse) Join other leading lenders and subscribe today! Subscribers will be first to receive commentary, insights, and best practices that can be used to transform mortgage operations and optimize results. ## Get inspired: - [Capital markets](https://connect.polly.io/on-the-pulse/tag/capital-markets) - [Mortgage tech](https://connect.polly.io/on-the-pulse/tag/mortgage-tech) - [Industry insights](https://connect.polly.io/on-the-pulse/tag/industry-insights) - [Product and pricing](https://connect.polly.io/on-the-pulse/tag/product-and-pricing) - [Data and analytics](https://connect.polly.io/on-the-pulse/tag/data-and-analytics) - [Loan trading](https://connect.polly.io/on-the-pulse/tag/loan-trading) ![How Mechanics Bank Modernized Without Sacrificing Human Connection](https://connect.polly.io/hubfs/OTP-Mechanics-Bank.png) ##### Industry insights, Product and pricing, Capital markets, Mortgage tech ## [How Mechanics Bank Modernized Without Sacrificing Human Connection](https://connect.polly.io/on-the-pulse/how-mechanics-bank-modernized-without-sacrificing-human-connection) Lender Luminaries: Mechanics Bank In the next edition of our Lender Luminaries series, we turn our attention to Mechanics Bank, a West Coast-based hybrid lender that is experiencing exponential growth by modernizing its operations and investing in... [Read More](https://connect.polly.io/on-the-pulse/how-mechanics-bank-modernized-without-sacrificing-human-connection) ![How ResiCentral Tripled Volume Without Adding Headcount](https://connect.polly.io/hubfs/OTP-Luminaries-Resi.png) ##### Industry insights, Product and pricing, Capital markets, Mortgage tech ## [How ResiCentral Tripled Volume Without Adding Headcount](https://connect.polly.io/on-the-pulse/how-resicentral-tripled-volume-without-adding-headcount) Lender Luminaries: ResiCentral In this edition of our Lender Luminaries series, we turn the spotlight on wholesale mortgage company ResiCentral, who unlocked significant growth by relentlessly fine-tuning internal processes and a high-performance... [Read More](https://connect.polly.io/on-the-pulse/how-resicentral-tripled-volume-without-adding-headcount) ![How Remarkable Mortgage Honed Predictability for Profitability](https://connect.polly.io/hubfs/OTP-Luminaries-Remarkable.png) ##### Industry insights, Product and pricing, Capital markets, Mortgage tech ## [How Remarkable Mortgage Honed Predictability for Profitability](https://connect.polly.io/on-the-pulse/how-remarkable-mortgage-honed-predictability-for-profitability) 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... [Read More](https://connect.polly.io/on-the-pulse/how-remarkable-mortgage-honed-predictability-for-profitability) ![How NAF is Leading with Certainty in an Uncertain Market](https://connect.polly.io/hubfs/OTP-Luminaries-NAF-1.png) ##### Industry insights, Product and pricing, Capital markets, Mortgage tech ## [How NAF is Leading with Certainty in an Uncertain Market](https://connect.polly.io/on-the-pulse/how-naf-is-leading-with-certainty-in-an-uncertain-market) Lender Luminaries: New American Funding In the first edition of our Lender Luminaries series, we are excited to spotlight New American Funding (NAF), a first-class national mortgage lender that has faced unpredictable market challenges head-on,... [Read More](https://connect.polly.io/on-the-pulse/how-naf-is-leading-with-certainty-in-an-uncertain-market) ![Why We Refer to Our Customers as Customer Partners](https://connect.polly.io/hubfs/OTP-Luminaries-cover-2.png) ##### Data and analytics, Industry insights, Product and pricing, Capital markets, Loan trading, Mortgage tech ## [Why We Refer to Our Customers as Customer Partners](https://connect.polly.io/on-the-pulse/why-we-refer-to-our-customers-as-customer-partners) Lender Luminaries: A Quick IntroductionIntroducing Lender Luminaries: a new series at Polly that gives us a chance to further spotlight a handful of our incredible customer partners. These are leading lenders in mortgage capital markets, helping... [Read More](https://connect.polly.io/on-the-pulse/why-we-refer-to-our-customers-as-customer-partners) ![Polly's 2025 Award Recap: A Year of Industry-Recognized Innovation & Strategic Leadership](https://connect.polly.io/hubfs/Picture1-Dec-31-2025-10-13-50-2907-PM.png) ##### Industry insights, Product and pricing, Capital markets, Mortgage tech ## [Polly's 2025 Award Recap: A Year of Industry-Recognized Innovation & Strategic Leadership](https://connect.polly.io/on-the-pulse/2025-award-recap-a-year-of-industry-recognized-innovation-strategic-leadership) "2025 was another year marked by industry firsts and meaningful innovation at Polly, and our relentless hustle to advance the capital markets space is reflected in the many recognitions our team has received. We are truly honored that top... [Read More](https://connect.polly.io/on-the-pulse/2025-award-recap-a-year-of-industry-recognized-innovation-strategic-leadership) ![An Open Letter from Polly Founder and CEO: 2025 Reflections, Looking Ahead](https://connect.polly.io/hubfs/2026-open-letter.png) ##### Industry insights, Capital markets, Mortgage tech ## [An Open Letter from Polly Founder and CEO: 2025 Reflections, Looking Ahead](https://connect.polly.io/on-the-pulse/an-open-letter-from-polly-founder-and-ceo-2025-reflections-looking-ahead) At the end of each year, I always take time to reflect on Polly's founding vision, our mission, and most importantly, the profound impact we have achieved alongside our customer partners. 2025 was another record-setting year of shared success. The... [Read More](https://connect.polly.io/on-the-pulse/an-open-letter-from-polly-founder-and-ceo-2025-reflections-looking-ahead) ![The Increasing Cost of Efficiency](https://connect.polly.io/hubfs/ON%20THE%20PULSE%20-%20Blog%20header%20images%20(1)-2.png) ##### Data and analytics, Industry insights, Product and pricing, Capital markets, Loan trading, Mortgage tech ## [The Increasing Cost of Efficiency](https://connect.polly.io/on-the-pulse/the-increasing-cost-of-efficiency) Capacity planning is one of those things you learn through experience—sometimes the hard way.Back in college, when one of my roommates finally bit the bullet and got a Costco membership, all four of us would pile into my Honda Accord, make the trek... [Read More](https://connect.polly.io/on-the-pulse/the-increasing-cost-of-efficiency) ![Polly Featured on Forbes’ Annual List of America’s Best Startup Employers](https://connect.polly.io/hubfs/ON%20THE%20PULSE%20-%20Blog%20header%20images-1.png) ##### Data and analytics, Industry insights, Product and pricing, Capital markets, Loan trading, Mortgage tech ## [Polly Featured on Forbes’ Annual List of America’s Best Startup Employers](https://connect.polly.io/on-the-pulse/polly-featured-on-forbes-annual-list-of-americas-best-startup-employers) Polly has earned a prestigious spot on Forbes' 2025 list of America's Best Startup Employers—a true testament to our dedication to fostering collaboration, ambition, and career growth. This recognition demonstrates that Polly's culture goes beyond... [Read More](https://connect.polly.io/on-the-pulse/polly-featured-on-forbes-annual-list-of-americas-best-startup-employers) ![Automation vs. Situational Awareness](https://connect.polly.io/hubfs/1.png) ##### Industry insights, Product and pricing, Capital markets, Mortgage tech ## [Automation vs. Situational Awareness](https://connect.polly.io/on-the-pulse/automation-vs.-situational-awareness) I had my first misfire with Waymo this past weekend. For those who don't know, Waymo is a fully autonomous ride-hailing service operating in San Francisco, Los Angeles, Phoenix, and Austin. It's an incredible experience, and if you haven't tried it... [Read More](https://connect.polly.io/on-the-pulse/automation-vs.-situational-awareness) ![Polly's 2024 Award Recap: A Year of Industry Honors and Accolades](https://connect.polly.io/hubfs/ON%20THE%20PULSE%20-%20Blog%20header%20images%20(1)-1.png) ##### Industry insights, Product and pricing, Capital markets, Mortgage tech ## [Polly's 2024 Award Recap: A Year of Industry Honors and Accolades](https://connect.polly.io/on-the-pulse/2024-award-recap) "Our customer partners are at the heart of everything that we do at Polly. Through our unwavering commitment to understanding their needs and solving their greatest challenges, we are proud to reflect on and celebrate yet another year of success and... [Read More](https://connect.polly.io/on-the-pulse/2024-award-recap) ![An open letter from Polly Founder and CEO, Adam Carmel](https://connect.polly.io/hubfs/ON%20THE%20PULSE%20-%20Blog%20header%20images%20(1).png) ##### Industry insights, Capital markets, Mortgage tech ## [An open letter from Polly Founder and CEO, Adam Carmel](https://connect.polly.io/on-the-pulse/an-open-letter-from-polly-founder-and-ceo-2025) As we near the end of another incredible year, I am reflecting on Polly's mission, our vision, and what we have been able to achieve in collaboration with our customer partners. When Polly was founded in 2019, it was clear then—and even more so... [Read More](https://connect.polly.io/on-the-pulse/an-open-letter-from-polly-founder-and-ceo-2025) ![Polly’s Implementation and Onboarding in Action: An In-depth Conversation with VanDyk Mortgage Corporation and iQ Credit Union](https://connect.polly.io/hubfs/an-in-depth-converstion.png) ##### Industry insights, Product and pricing, Capital markets, Mortgage tech ## [Polly’s Implementation and Onboarding in Action: An In-depth Conversation with VanDyk Mortgage Corporation and iQ Credit Union](https://connect.polly.io/on-the-pulse/an-in-depth-conversation-with-vandyk-mortgage-corporation-and-iq-credit-union) Switching technology providers is equal parts exciting and daunting. We understand this completely. Implementation challenges fall among the myriad of other obstacles that have beset the mortgage industry over the last 20+ years. But as we always... [Read More](https://connect.polly.io/on-the-pulse/an-in-depth-conversation-with-vandyk-mortgage-corporation-and-iq-credit-union) ![Laying the Foundation for Success: What to Expect During Polly’s Implementation and Onboarding Process](https://connect.polly.io/hubfs/laying-the-foundation-for-success-what-to-expect-during-polly%E2%80%99s-implementation-and-onboarding-process.png) ##### Data and analytics, Industry insights, Product and pricing, Capital markets, Loan trading, Mortgage tech ## [Laying the Foundation for Success: What to Expect During Polly’s Implementation and Onboarding Process](https://connect.polly.io/on-the-pulse/laying-the-foundation-for-success-what-to-expect-during-pollys-implementation-and-onboarding-process) Juggling compliance regulations, navigating market volatility, and exceeding borrower expectations—mortgage lenders already have enough on their plates and do not need a complex tech rollout slowing them down. Here at Polly, we get it. [Read More](https://connect.polly.io/on-the-pulse/laying-the-foundation-for-success-what-to-expect-during-pollys-implementation-and-onboarding-process) ![Exceptions for Mortgages and Maybe One Day… Restaurants](https://connect.polly.io/hubfs/exceptions-for-mortgages-and-maybe-one-day-restaurants.png) ##### Industry insights, Product and pricing, Capital markets, Mortgage tech ## [Exceptions for Mortgages and Maybe One Day… Restaurants](https://connect.polly.io/on-the-pulse/exceptions-for-mortgages-and-maybe-one-day-restaurants) Earlier this month, my wife and I were trying to sync up our weekend schedules. Between the kids’ sports, birthday parties, social events, and just general life, we had to figure out who needed to be where and when. That’s when we both realized... [Read More](https://connect.polly.io/on-the-pulse/exceptions-for-mortgages-and-maybe-one-day-restaurants) ![Margin Leakage in a Market Rally](https://connect.polly.io/hubfs/margin-leakage-in-a-market-rally.png) ##### Data and analytics, Industry insights, Capital markets ## [Margin Leakage in a Market Rally](https://connect.polly.io/on-the-pulse/margin-leakage-in-a-market-rally) As I write my first (and hopefully not my last) column for Rob and Robbie, the CME Group's FedWatch is giving a 57.5% chance of a 50-bps rate cut at the September 18th FOMC meeting, with the 10-year treasury at 4%. [Read More](https://connect.polly.io/on-the-pulse/margin-leakage-in-a-market-rally) ![An open letter from Polly Founder and CEO](https://connect.polly.io/hubfs/EOY2023.jpg) ##### Industry insights, Capital markets, Mortgage tech ## [An open letter from Polly Founder and CEO](https://connect.polly.io/on-the-pulse/an-open-letter-from-polly-founder-and-ceo) As 2023 comes to an end, I want to take a moment to reflect on the remarkable success we have achieved together and share my excitement for 2024. Polly had another record-breaking year across every dimension in 2023. [Read More](https://connect.polly.io/on-the-pulse/an-open-letter-from-polly-founder-and-ceo) ![When Polly met Freddie: The past, present, and future of secondary marketing technology](https://connect.polly.io/hubfs/Freddie-blog.jpg) ##### Industry insights, Product and pricing, Capital markets, Loan trading, Mortgage tech ## [When Polly met Freddie: The past, present, and future of secondary marketing technology](https://connect.polly.io/on-the-pulse/when-polly-met-freddie-the-past-present-and-future-of-secondary-marketing-technology) Polly has worked with Freddie Mac since we burst onto the scene in 2019 with the industry’s first cloud-native, vertically integrated capital markets solution. [Read More](https://connect.polly.io/on-the-pulse/when-polly-met-freddie-the-past-present-and-future-of-secondary-marketing-technology) ![Non-QM: Five ways a PPE can make loan officers' lives easier](https://connect.polly.io/hubfs/LO-blog.png) ##### Industry insights, Product and pricing, Capital markets, Mortgage tech ## [Non-QM: Five ways a PPE can make loan officers' lives easier](https://connect.polly.io/on-the-pulse/non-qm-five-ways-a-ppe-can-make-loan-officers-lives-easier) Loan officers are the public face of a financial institution. In addition to establishing and maintaining solid relationships with realtors and builders, they also act as trusted advisors to their borrowers – and this trust is crucial when working... [Read More](https://connect.polly.io/on-the-pulse/non-qm-five-ways-a-ppe-can-make-loan-officers-lives-easier) ![A letter from Polly Founder and CEO, Adam Carmel](https://connect.polly.io/hubfs/sparklers.jpg) ##### Industry insights, Capital markets, Mortgage tech ## [A letter from Polly Founder and CEO, Adam Carmel](https://connect.polly.io/on-the-pulse/a-letter-from-polly-founder-and-ceo-adam-carmel) There is no doubt that 2022 will stand out as one for the record books. I once read that the true meaning of a moment comes to light only when we look back, and this rings especially true today. As I look back on 2022, I am incredibly proud of what... [Read More](https://connect.polly.io/on-the-pulse/a-letter-from-polly-founder-and-ceo-adam-carmel) ![Rewriting narratives across the mortgage capital markets vertical](https://connect.polly.io/hubfs/Blog/featured%20images/Rewriting-narratives-across-the-mortgage-capital-markets-vertical.jpg) ##### Industry insights, Capital markets ## [Rewriting narratives across the mortgage capital markets vertical](https://connect.polly.io/on-the-pulse/rewriting-narratives-across-the-mortgage-capital-markets-vertical) Here at Polly, we are in the business of rewriting narratives that have existed for decades. This mission began back in 2016, when a small team of innovators was on the hunt for a modern and agile PPE. Necessity is the mother of invention,... [Read More](https://connect.polly.io/on-the-pulse/rewriting-narratives-across-the-mortgage-capital-markets-vertical) ![A market in flux can offer lenders a real opportunity](https://connect.polly.io/hubfs/Blog/featured%20images/A-market-in-flux-can-offer-lenders-a-real-opportunity.jpg) ##### Industry insights, Capital markets ## [A market in flux can offer lenders a real opportunity](https://connect.polly.io/on-the-pulse/a-market-in-flux-can-offer-lenders-a-real-opportunity) Polly's Founder and CEO, Adam Carmel, recently connected with the Mortgage Bankers Association for an executive conversation about the current state of the mortgage industry. The discussion was prompted by the interest rate spikes seen in H1 of... [Read More](https://connect.polly.io/on-the-pulse/a-market-in-flux-can-offer-lenders-a-real-opportunity) ![Achieving a true future-state mortgage operation with automation](https://connect.polly.io/hubfs/Blog/featured%20images/Achieving-a-true-future-state-mortgage-operation-with-automation.jpg) ##### Industry insights, Capital markets ## [Achieving a true future-state mortgage operation with automation](https://connect.polly.io/on-the-pulse/achieving-a-true-future-state-mortgage-operation-with-automation) Every year, billions of dollars are lost due to ineffective processes, system inefficiencies, and manual mistakes. As the mortgage industry shifts more and more toward modern, cloud-native technologies, one buzzword continues to stand out among the... [Read More](https://connect.polly.io/on-the-pulse/achieving-a-true-future-state-mortgage-operation-with-automation) © 2024 Polly | [Privacy Policy](https://polly.io/privacy-policy/)