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 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