Directory of AI vendors for mortgage capital markets and secondary marketing

MCT, Mortgage Capital Trading, is a San Diego secondary marketing platform for United States mortgage lenders and investors, in business for over two decades. Its products are MCTlive for pipeline hedging and best execution loan sales, MSRlive for mortgage servicing rights valuation, and a marketplace for mortgage related assets connecting lenders with investors and counterparties. Its buyers are depositories, independent mortgage bankers and investors. MSRlive runs MCT's own proprietary prepayment model and, since October 2024, also offers Andrew Davidson and Company's LoanDynamics Model alongside it, so a servicing rights manager can run both and compare, which the company frames as raising confidence in valuations and scenario testing. The artificial intelligence line is Atlas, a generative advisor launched in February 2025 and developed through a publicly dated sequence of capabilities: in May 2025 it produced what the company describes as the first hedge recommendation made on a live mortgage pipeline, reviewed and executed by the client, and by 2026 a trade execution agent was completing competitive to be announced trades on a live pipeline for a named client, Pike Creek Mortgage Services. Atlas is described as running in an isolated cloud environment using retrieval augmented generation, function calling and limited context inputs, trained exclusively on MCT's own proprietary educational materials rather than on client data, with strict internal access controls, client configurable trade parameters bounding what it may execute, and an opt in that defines the limited client data each new capability requires. The company hired a director of artificial intelligence solutions to extend agentic workflows and received a HousingWire Tech100 award in 2026 for AI powered capital markets innovation.

Polly runs a mortgage capital markets platform for United States banks, credit unions and mortgage lenders, built around a cloud native product, pricing and eligibility engine, alongside a loan trading exchange, a lender analytics product and a partner platform. The pricing engine carries loan products from hundreds of investors across conforming, government, construction, housing finance authority, non conforming, non qualified mortgage and portfolio categories, automates lock desk workflows including locks, extensions, relocks, repricing, price exceptions and float downs, and maps standard and custom fields into a lender's loan origination system through its interfaces. Polly AI, launched in May 2024, sits on top of that engine. Its first application is a loan officer agent reachable by instant message or voice on web and mobile that examines near miss eligibility and near miss pricing, interprets the mathematical and logic based statements explaining why a loan is ineligible, and returns specific suggested actions, so an officer can find the closest qualifying product rather than simply learning that the loan does not fit. The company reports that more than 1,250 employees at New American Funding actively use the platform and that it has provided clarity on over 7,200 ineligible products there, and that ResiCentral tripled year on year volume in 2024 without adding secondary, capital markets or lock desk staff. American Financial Resources adopted the pricing engine in 2025. Founded in 2019 and headquartered in San Francisco, Polly raised a 37 million dollar Series B in 2022 and a further 25 million dollars in 2024, and employs a dedicated team of AI engineers. It publishes no security certification, no model documentation and no pricing.

RiskSpan runs the Edge Platform, a cloud native system combining loan level data, predictive models and analytics for residential whole loans, mortgage servicing rights, agency mortgage backed securities, private credit and other structured finance assets. It states its clients manage over 30 trillion dollars in assets and more than 45 million active mortgage loans, and the platform covers market and credit risk analytics, scenario libraries, stress testing and value at risk across more than 70 asset classes, alongside loan level data ingestion and validation, Snowflake integration, model development and model risk governance services. Its own quantitative models are the differentiator: a prepayment model whose non qualified mortgage version uses a two component framework separating a unified turnover model from a refinance model segmented by documentation type, and a credit model built on a delinquency transition matrix that projects monthly delinquency migration across the life of a loan and its servicing rights. The artificial intelligence line is more recent and narrower than the modelling franchise: CascAIde, introduced in 2024, applies AI driven data extraction and a rules engine to portfolio risk management, and the company states it has built production systems that process billions of performance records for tens of millions of mortgages. Its model transparency is unusual for this index. It holds public monthly Models and Markets calls in which its quantitative team walks through how the models tracked against actual prepayment and credit behaviour, publishes versioned model update notes describing methodology changes, and gives clients interactive diagnostics for back testing, while separately selling model validation and model risk governance as a service. Headquartered in Arlington, Virginia, it is available through a public cloud marketplace as either on demand analytics or a managed service, and was named a HousingWire Tech100 winner in 2025.