Insights and advice that will transform how you operate in housing finance.
Polygon Research Blog
Articles
November 15, 2025
5 minutes
Refi Gains Momentum with Rates Dipping Below 6%
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.
Latest blog posts
November 15, 2025
5 minutes
Refi Gains Momentum with Rates Dipping Below 6%
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.
October 12, 2024
5 minutes
Citadel Credit Union’s Settlement with the DOJ - A Turning Point for Credit Union Lending
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.
October 3, 2024
2 minutes
Climate Risk Data for Credit Unions: Assessing and Mitigating Mortgage Lending Risks
How Credit Unions Can Leverage Climate Risk Data for Disaster Preparedness
September 4, 2024
3 minutes
FHA Lending: Brokers Defy Market Odds, TPO Channel Surges in 2024
Despite Rising Rates and Tight Inventory Brokers Capture Growing Share of FHA Loans
July 29, 2024
3 minutes
HMDAVision is All You Need: Avoiding the 3 Top Reasons for Bad HMDA Takes
Tips for better HMDA analysis
June 3, 2024
5 minutes
Strategic Planning for Credit Unions: Leveraging Polygon Research Apps for Data-Driven Decision Making
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?
June 7, 2024
3 minutes
FHA Lending Surge Signals Good News for First-Time Homebuyers and Existing Homeowners
The latest FHA Pivot update for April 2024 brings encouraging news for the housing market showing higher production of FHA loans in each of the first four months. This surge is not just good news for first-time homebuyers; existing homeowners are also benefiting from the favorable trends.
August 2, 2024
2 minutes
Polygon Research’s Insights on Mortgage Loan Costs: Response to CFPB’s RFI on Fees
April 21, 2024
5 minutes
How Mortgage Is Leading The Homebuyer Conversation
9 Data Marketing Trends in Play in The New Economy
April 12, 2024
4 minutes
Loan Channel Definitions for Better Lending Strategy Analysis
A Guide to Using Open Data for Channel Definition
April 7, 2024
9 minutes
The Insignificance of Statistical Significance
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.