In this episode of the Top of Mind podcast, Mike Simonsen sits down with Adam Carmel, CEO and founder of Polly, to talk about mortgage technology and the mortgage markets. About Adam Carmel Adam Carmel is the founder and CEO of Polly, a true mortgage technology trailblazer. Adam founded Polly in 2019 to build a vertically integrated mortgage platform. Here’s a glimpse of what you’ll learn:  The remarkable story of why and how he started Polly His leadership strategies in these volatile markets How he leads a mortgage technology company and doesn’t let mortgage rates into the decision process Why the cost of loans has risen from $2,000 to $12,000 and how Polly aims to bring it all the way back down The incredible opportunity for AI and how consumer and mortgage cost wins are already here with AI in the mortgage process What the Polly data says about the opportunity for lenders in 2025 Scenarios of what could happen to the mortgage market if we privatize Fannie and Freddie How to think about America’s 30-year fixed rate mortgage market and how it might evolve Related to this episode: Polly Adam Carmel | LinkedIn Mike Simonsen | LinkedIn Altos Featuring Mike Simonsen, President of Altos Research A true data geek, Mike founded Altos Research in 2006 to bring data and insight on the U.S. housing market to those who need it most. The company now serves the largest Wall Street investment firms, banks, and tens of thousands of real estate professionals around the country. Mike's insights on the market have been featured in Forbes, New York Times, Bloomberg, Dallas Morning News, Seattle PI, and many other national media outlets. Follow us on Twitter for more data analysis and insights: Altos on Twitter Mike on Twitter About Altos Research The Top of Mind Podcast is produced by Altos Research. Each week, Altos tracks every home for sale in the country - all the pricing, and all the changes in pricing - and synthesizes those analytics to make them available before becoming visible through traditional channels. Schedule a demo to see Altos in action. You can also get a copy of our free eBook: How To Use Market Data to Build Your Real Estate Business. The Top of Mind podcast features top real estate industry insiders and experts to unpack the most important housing, real estate, mortgage data and trends that are shaping the housing market. Hosted by Altos founder Mike Simonsen and produced by the HousingWire Content Studio.