Blog
I Thought I Knew What a First-Time Homebuyer Was, But the Open Data Tell a Different Story
5 minutes
November 12, 2025
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 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.
October 28, 2025
5 minutes
The 2025 LLPA Matrix: A Polygon Research Data Analysis
What is an LLPA? And where are 2025's conventional loans actually landing?
What is an LLPA? And where are 2025's conventional loans actually landing?
October 7, 2025
5 inutes
2026 Refinance Surge: How Lenders Can Win in a High-Competition Market
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.
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.