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January 15, 2025
7 minutes

Reflections on Three Financial Crises

Insights from FDIC Chairman Martin Gruenberg and Polygon Research's Data Insights
Insights from FDIC Chairman Martin Gruenberg and Polygon Research's Data Insights
December 18, 2024
2 minutes

Fed Rate Cut 2024: What It Means for Mortgage Lenders

The Fed policy rate is now a full percentage point below its peak
The Fed policy rate is now a full percentage point below its peak
November 15, 2024
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 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.
November 1, 2024
5 minutes

Why Shallow Fair Lending Analysis Hurts Both Lenders and Consumers

The importance of putting fair lending at the heart of lender's operations.
The importance of putting fair lending at the heart of lender's operations.
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.
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
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
Despite Rising Rates and Tight Inventory Brokers Capture Growing Share of FHA Loans
August 2, 2024
2 minutes

Polygon Research’s Insights on Mortgage Loan Costs: Response to CFPB’s RFI on Fees

Loan costs and the role of data
Loan costs and the role of data
July 29, 2024
3 minutes

HMDAVision is All You Need: Avoiding the 3 Top Reasons for Bad HMDA Takes

Tips for better HMDA analysis
Tips for better HMDA analysis
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.
The latest FHA Pivot update for April 2024 brings encouraging news for the housing market.
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?
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?
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