Insights and advice that will transform how you operate in housing finance.

Polygon Research Blog

Latest blog posts

HMDAVision is Ironman of Mortgage
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.
HMDAVision is Ironman of Mortgage
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.
HMDAVision is Ironman of Mortgage
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
HMDAVision is Ironman of Mortgage
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
HMDAVision is Ironman of Mortgage
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?
HMDAVision is Ironman of Mortgage
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.
HMDAVision is Ironman of Mortgage
April 21, 2024
5 minutes

How Mortgage Is Leading The Homebuyer Conversation

9 Data Marketing Trends in Play in The New Economy
HMDAVision is Ironman of Mortgage
April 12, 2024
4 minutes

Loan Channel Definitions for Better Lending Strategy Analysis

A Guide to Using Open Data for Channel Definition
HMDAVision is Ironman of Mortgage
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.
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