Blog

What Polygon Research shipped in 2025: loan-level mortgage market intelligence, predictive models, pricing analysis, and market insights.

Discover the 2025 mortgage data hub. From the $40B VA refi opportunity to the truth about Gen Z homebuyers and 2026 strategic tips for IMBs and Credit Unions.

Polygon Research introduces an industry-first QM/Non-QM flag on every 2018–2024 HMDA loan, enabling true loan-level Non-QM market sizing. Download the white paper.

Learn what loan officer turnover is, how to calculate it from NMLS data, and why lenders must track it for effective loan officer recruitment and retention strategy.

NAR's 2025 first-time homebuyer survey is missing the full picture. We compare it to loan-level data from HMDA, the GSEs, and Census to find the truth.

Are you asking the right questions about your 2026 plan? A strategic look at consolidation, rates, fair lending, and growth for credit union leaders.

Explore the implications of adjustable-rate mortgages (ARMs) resurgence for lenders in 2025. Polygon Research's analysis offers forward-looking insights via HMDA, Census, RMBS, and FHA data, covering risks, opportunities, and strategies in evolving housing finance.

Stop waiting for lower rates. New 2025 YTD data reveals the First-Time Home Buyer market (60% of all purchases) has split in two. Lenders need a dual-product strategy to win.

What is an LLPA? And where are 2025's conventional loans actually landing?

Refinance volumes are projected to double by 2026, and borrower shopping behavior is intensifying. Here’s how you can prepare your lending strategy now to capture the coming wave.

With trigger leads ending in March 2026, your old lead gen playbook will be obsolete. Discover a new, data-driven strategy to find hidden mortgage leads and build a sustainable pipeline.

Credit unions outperform but emerging risks like delinquencies, refinance incentives, and disaster exposure demand deeper analysis. Learn more from Polygon Research at ACUMA 2025.

FOMC rate decision is imminent. Learn to target FHA Streamline opportunities & grow your pipeline.

Grow your lending business with ACS relocation data. Start your 7-day Polygon Vision trial. Prep for the new ACS release.

Primary, second, or investment? See how mortgage occupancy impacts interest rates and LTVs. Get a data-driven breakdown of this crucial loan classification.

Prepare for the 2025 refinance market shift. Learn how lenders can compete without trigger leads using fresh data and smarter borrower strategy.

Learn how to analyze mortgage market share by loan count or volume and how to use it to compete, grow, and outperform your peers.

Learn the difference between mortgage preapproval and prequalification. How preapprovals change mortgage origination rates and fair-lending gaps using 2024 data.

Discover 2025 FHA interest-rate trends and how builders & lenders leverage them - strategic insights powered by Polygon Vision and Polygon Pulse.

Learn how mortgage lenders use data to identify growth opportunities, spot demographic shifts, and capitalize on market changes before competitors.

How data-driven lenders can turn regulatory uncertainty into competitive advantage

Data shows first-time buyers are still active in 2025. Explore what’s really happening in the housing market beyond the headlines.

Navigate HMDA data releases with confidence. Understand the National Loan Level Dataset's power & how Polygon Research delivers unified insights for compliance and market strategy.

2025 agency lender rankings reveal non-bank companies control all top 10 spots for first time. Complete analysis of mortgage market leadership shift.

Labor force participation predicts mortgage prepayments and market demand better than unemployment data. Discover the economic signals lenders miss.

Navigate fair lending compliance after the 2025 disparate impact executive order. Get market intelligence tools and strategies to protect your institution.

Insights from the GAO’s latest report and how Polygon Research’s tools empower fair and effective AI use

We’ve just updated FHA Pivot with the full-year 2024 FHA endorsement data and the trends are worth a closer look.

Discover how lenders can use HMDA and Census data to expand access, reach more borrowers, and align with the spirit of Fair Housing Month 2025.

Our analysis featured in National Mortgage News reveals the story behind the rankings.

Polygon Research Unveils 2024’s Top Mortgage Lenders via HMDAVision.

The 2024 HMDA release gives lenders and stakeholders unmatched data for market intel, fair lending, and strategic planning. Here's why it still leads.

Did FHFA Director Pulte pull the plug on SPCP this morning?

The foundation of effective mortgage marketing rests on the data sources you choose to base your analysis on.

How to maximize mortgage market success with data-driven strategies from our ACUMA Webinar

Our first update of our MBS Pivot give us a glimpse into 2025, through the lens of agency loan originations market. Volumes Thin, Rates Mirror Early 2024.

The January 2025 wildfires in Los Angeles County spotlight the growing financial risks of natural disasters. We discuss the role of open data in understanding these risks.

Insights from FDIC Chairman Martin Gruenberg and Polygon Research's Data Insights

The Fed policy rate is now a full percentage point below its peak

October 2024 saw mortgage rates slip below 6% for the first time in over a year, following recent Fed rate cuts. This dip boosted refinance demand, particularly for VA and USDA loans, which offered the most competitive rates. Dive into the latest trends with MBS Pivot’s interactive dashboards for a deeper look at loan products, market strategies, and competitive insights.

The importance of putting fair lending at the heart of lender's operations.

While Citadel’s case is the first time a credit union has faced federal redlining charges, it’s also an opportunity for reflection and improvement—not just for Citadel, but for the entire credit union industry.

How Credit Unions Can Leverage Climate Risk Data for Disaster Preparedness

Despite Rising Rates and Tight Inventory Brokers Capture Growing Share of FHA Loans

Loan costs and the role of data

Tips for better HMDA analysis

The latest FHA Pivot update for April 2024 brings encouraging news for the housing market.

In today's rapidly evolving financial landscape, credit unions face a unique set of challenges and opportunities. To thrive in this competitive environment, strategic planning is crucial. But how can credit unions make informed decisions that align with their mission of serving members and communities?

9 Data Marketing Trends in Play in The New Economy

A Guide to Using Open Data for Channel Definition

When it comes to fair lending, what truly matters is not whether a disparity passes a statistical test, but whether it exists—and if so, what we are going to do about it.

The U.S. mortgage map in 2023 is different from 2019.

How HMDAVision empowers mortgage lenders

How Polygon Research Unlocked Multiple Years of Survey of Consumer Finances

Data storytelling

How Polygon Research harnesses open data

Washington, DC: Polygon Research is excited to announce that Garrett Hartzog will be serving as Head of Marketing and Business Development.

FHA lending strategy rooted in loan-level data

Special Purpose Credit Program (SPCP) design is data-driven

Local trends

Well, we’re not doctors, but 2022 wasn’t exactly a great year for mortgage lending.

You may have seen that the CFPB has data brokers and lender listing services in their crosshairs.

HMDAVision data updates are coming March 22!

When senior management sees the capabilities of Polygon Research’s suite of offerings, we understand the temptation to use our platform as a way to reduce costs.

This morning NAHREP - National Association of Hispanic Real Estate Professionals® released its annual State of Hispanic Homeownership Report.

With high market interest rates, high home prices, and a shrinking mortgage market, mortgage lenders are facing increasing difficulty in remaining competitive and growing their loan volume.

TechTarget covers Polygon Research

Is there an alignment problem in mortgage AI?

Explaining what it is, and the analysis that can be done with HMDA data

Manufactured housing plays a crucial role in increasing affordable housing supply.

We take a look at the disparate impact terrain with regard to how individual lenders can utilize HMDA data to inform themselves of gaps in their lending practices in order to mitigate regulatory risk and potential litigation.

A review of FHA production results based on HUD's monthly Single-Family SnapShot Data

Regulators and lending institutions have started to address structural barriers in US lending to minorities.