Blog
Industry-First QM & Non-QM Flag for Public HMDA Data
3 minutes
December 8, 2025
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.
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.
December 8, 2025
3 minutes
Industry-First QM & Non-QM Flag for Public HMDA Data
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.
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.
November 20, 2025
4 minutes
Loan Officer Recruitment and Retention: Why Turnover Is the Missing Metric
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.
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.
November 12, 2025
5 minutes
I Thought I Knew What a First-Time Homebuyer Was, But the Open Data Tell a Different Story
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.
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.
November 7, 2025
5 minutes
Credit Union 2026 Strategic Plan: 4 Critical Questions
Are you asking the right questions about your 2026 plan? A strategic look at consolidation, rates, fair lending, and growth for credit union leaders.
Are you asking the right questions about your 2026 plan? A strategic look at consolidation, rates, fair lending, and growth for credit union leaders.
November 3, 2025
5 minutes
What Does the ARM Comeback Mean for Mortgage Lenders in 2025?
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.
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.
October 23, 2025
5 minutes
The Great First Time Home Buyer Affordability Myth: Why Lower Rates Won't Solve It
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.
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.