Polly, the only AI-native, vertically integrated mortgage capital markets operating system, today announced a partnership with F9 Advisors, LLC (F9), a newly created capital markets execution and advisory firm led by some of the most recognized operators in mortgage hedging. F9 gives lenders access to institutional-grade execution, pipeline hedging, and loan sales. The partnership underscores a principle that has guided Polly since its founding: every lender should have access to the same technology and expertise as the industry’s most sophisticated institutions.
Mandatory execution captures margin that best-efforts delivery leaves behind, and historically it has required a dedicated capital markets team to run. F9 brings that capability to every lender on PollyOS. With F9’s traders and analysts working inside the lender’s own environment, a lender can execute on a mandatory basis from day one, with the discipline and rigor of a fully staffed desk. And because the platform, the data, and the configuration remain the lender’s own, the engagement can evolve as the lender’s strategy does. A lender can expand F9’s role as it moves into new channels, scale it back as it develops expertise in-house, or adjust the mix at any point, all without changing systems.
“Polly is unwavering in its commitment to democratize pricing so that every lender can price with the precision of the largest institutions,” said Brandon Story, President of F9 Advisors. “F9 extends that shared principle to execution. The desk runs inside the lender’s own environment, and it grows as their strategy evolves. Whether a lender wants F9 running execution for the long term or building toward a team of their own, our interests are the same as theirs. That is a partnership the industry has not had before.”
THE PRECISION OF POLLYOS, THE EXPERTISE OF F9
Working inside PollyOS gives F9 and its clients a single, real-time view of every lock, position, and trade. Nothing is exported, and the numbers F9 acts on are the same numbers a lender’s leadership sees. Lenders keep their own investor and dealer relationships, with F9’s traders executing on their behalf, so the capital markets function remains entirely the lender’s own while F9 provides the people, the expertise, and the daily rigor to run it.
WHAT F9 OFFERS
F9’s services scale with a lender’s needs, from pipeline hedging, best execution, and whole loan trading, through agency pooling and securitization. CRA sourcing and execution, enterprise-level margin management, and product strategy can be added to any engagement, a scope that extends beyond what most advisory firms take on. For lenders that already run their own desk, F9 provides contingency coverage to ensure continuity through a transition or period of growth, along with an advisory suite for strategy, configuration, and audit readiness. Platform connectivity, daily operational monitoring, mark-to-market and margin call handling, reporting, alerting, and onboarding are included in every engagement.
“The F9 team has collectively spent decades running capital markets desks, and for most of that time technology set the ceiling on what a desk could achieve,” said Virgil Caselli Jr., Chief Operating Officer of F9 Advisors. “PollyOS removes that ceiling, and what a capital markets team can do is now a question of vision rather than infrastructure. That is what we set out to build F9 around, and it is why we chose Polly to bring it to the industry.”
LEADERSHIP
F9 Advisors, LLC is led by Brandon Story, President, and Virgil Caselli Jr., Chief Operating Officer. Caselli was previously Managing Director and Partner at Compass Analytics. Rob Kessel, Founder and former CEO of Compass Analytics and a multi-decade veteran of mortgage capital markets, serves as an advisor to F9 through Panoramic Capital Academy and Consulting. Between them, F9’s leadership and advisors have spent decades building and running hedging platforms and advisory desks for mortgage lenders, and they have chosen PollyOS as the foundation for what comes next. F9 is an independent company that contracts directly with each client.
“We are honored that F9 chose Polly as its launch partner. Our teams share a conviction that every lender should have access to the best technology and execution this industry has to offer,” said Adam Carmel, Founder and CEO of Polly. “When the strongest operators and the industry’s only AI-native capital markets operating system come together, lenders realize a compelling competitive advantage. That is what PollyOS was built to do.”
Polly and F9 Advisors will both attend the 2026 MBA Annual Convention and Expo in Chicago, October 11-14. #MBAAnnual26 attendees are encouraged to schedule a meeting with the companies’ attending teams to learn more about PollyOS and F9.
ABOUT F9 ADVISORS, LLC
F9 Advisors, LLC is a capital markets execution and advisory firm for mortgage lenders. Working inside each client’s own PollyOS environment, F9 provides lock desk operations, pipeline hedging, best execution, and loan sale delivery, giving lenders access to an institutional-grade capital markets desk on the platform they already own. To learn more, visit www.F9Advisors.ai.
ABOUT POLLY
Polly is the only AI-native, vertically integrated mortgage capital markets operating system, engineered to maximize lender profitability through precision margin optimization, agentic automation, and real-time, loan-level attribution and profitability analysis. By unifying product, pricing, and eligibility (PPE), pipeline hedging, loan trading, and secondary accounting on a single AI-native data foundation, PollyOS establishes a definitive source of truth that aligns key stakeholders around consistent forecasts, traceable gain-on-sale economics, and margin strategies grounded in live loan performance. Continuous machine learning and agentic workflow automation empower the nation’s leading banks, credit unions, and independent mortgage lenders to translate secondary market execution into bottom-line P&L impact. To learn more, visit www.polly.io or follow Polly on LinkedIn.
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