Polly vs PMI Rate Pro
Pricing & Eligibility head-to-head · axis by axis, same rubric for both
Pricing & Eligibility
LoanPASS
| Axis | Polly | PMI Rate Pro |
|---|---|---|
| Production impact | 3.8 | 2.3 |
| Functionality & depth | 4.4 | 1.9 |
| Integrations & ecosystem | 3.7 | 2.6 |
| Adoption & support | 4.1 | 2.8 |
| Return on spend | 3.8 | 2.6 |
| Overall | 4.0 | 2.3 |
Polly wins 5 of 5 axes. Same rubric, same weights, no sponsorships.
What the rubric says
Polly and PMI Rate Pro are both scored in Pricing & Eligibility. Polly carries an overall of 4, PMI Rate Pro an overall of 2.3. The widest gap between them is Functionality and depth, at 2.5 of a point. That axis measures whether it handles the messy loans and not just the clean file. Polly takes it, 4.4 to 1.9.
Where the five axes separate
On Functionality and depth the record favours Polly, 4.4 against 1.9. On Production impact the record favours Polly, 3.8 against 2.3. On Adoption and support the record favours Polly, 4.1 against 2.8. On Return on spend the record favours Polly, 3.8 against 2.6. On Integrations and ecosystem the record favours Polly, 3.7 against 2.6.
Pricing posture
Polly does not publish pricing. Its listed model is quote only. PMI Rate Pro does not publish pricing. Its listed model is quote only.
Deployment and who each one targets
Deployment for Polly: Cloud, API-first with field mapping to the LOS. Deployment for PMI Rate Pro: Cloud, JSON API or standalone browser platform. Segment focus for Polly: Lenders that want the pricing engine, the lock desk and the loan sale on one platform. Segment focus for PMI Rate Pro: Lenders and mortgage technology vendors that need live MI quotes from all six national. The two entries name different buyers.
What each record credits
Polly: Version control plus replay reprices old scenarios against the setup live at the time. Polly: No-code deployment lets the secondary desk launch products without vendor involvement. Polly: The Loan Trading Exchange carries the platform past lock into sale and delivery. PMI Rate Pro: Quotes all six national private mortgage insurers through one interface. PMI Rate Pro: Two delivery paths: JSON API, or a standalone web tool needing no integration. PMI Rate Pro: Sold to technology providers as well as lenders, so it embeds behind other products.
What each record holds against them
Polly: Publicly names few technology partners: LendingPad, Vesta, Cordless and Uplist. Polly: Investor coverage is stated as hundreds, with no specific count published. Polly: No pricing, no per-loan figure, no volume bands, no implementation range published. PMI Rate Pro: Mortgage insurance quoting only, with no product and pricing function. PMI Rate Pro: No published pricing for either the API or the standalone platform. PMI Rate Pro: No longer an independent purchase; it arrives through the LoanPASS relationship.
Which one fits which shop
Best fit for Polly: A secondary desk that wants to reconfigure products without opening a vendor ticket. Best fit for PMI Rate Pro: A team still quoting mortgage insurance by hand across six carriers.
What each entry concludes
Polly: Polly built a pricing engine, then bolted a loan trading exchange onto it. Polly: A loan is priced and locked, then sold, without leaving the platform. PMI Rate Pro: PMI Rate Pro now belongs to LoanPASS, which lists it as an acquisition and sells it. PMI Rate Pro: It returns live quotes from all six national MI companies through a JSON API or a standalone.
The short answer
Polly finishes ahead on the published rubric, 4 to 2.3. The margin comes mostly from Functionality and depth. Same rubric, same weights, no sponsorships.
Both tools are scored on the same weighted rubric, production impact carries the most weight. Comparisons are never sponsored. Disclosure →