Loan-Level Mortgage Market Insights & Open Data Analytics

Independent analysis and published insights derived from Polygon Research’s interactive loan-level dashboards, built on HMDA, agency MBS, FHA, VA, Census, and other public mortgage datasets.

These insights are updated weekly and reflect current trends in mortgage originations, pricing, credit performance, and market structure.

Curated by Val Buresch, CMB — Founder & CEO · 2024 Chair, Certified Mortgage Bankers Society

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Institutional Investor Loan Trends in HMDA Data: 2018–2024

Track institutional loan trends to refine housing market strategy.

Origination Trends

2026 Estimated First-Time Homebuyers by Generation

See which generations will lead the 2026 first-time homebuyer market.

Demographics

THUMBNAIL 2024 VS 2025 YTD INTEREST RATES

Average Mortgage Interest Rates by Loan Purpose 2024-2025 YTD Agency Loans

Track rate shifts to optimize lending strategies and forecast demand.

Origination Trends

2025 ytd LOAN PURPOSE MIX THUMBNAIL

Agency Loan Purpose Mix by Count: 2025 YTD vs. 2024

Examine evolving refi shares to inform agency origination planning

Origination Trends

Support

FAQs

Everything you need to know about the data and our charts. Can’t find the answer you’re looking for? Email our team.

What is Polygon Research’s mortgage market data hub?

Polygon Research’s mortgage market data hub is a public collection of loan-level mortgage insights derived from open data. It publishes curated charts and commentary generated from our analytical dashboards to help market participants understand trends in originations, pricing, credit performance, and market structure.

What data sources does Polygon Research use for its mortgage insights?

Polygon Research’s insights are built on authoritative public mortgage loan-level datasets, including HMDA loan-level disclosures, agency MBS data, FHA and VA program data, and U.S. Census demographic data. These sources are standardized and blended to support analysis across geographies, borrower segments, and lending channels.

How is Polygon Research different from other mortgage data providers?

Polygon Research focuses on transparent, loan-level analysis built from open mortgage data rather than proprietary or black-box datasets. Its methodology emphasizes traceability, consistency, and cross-dataset alignment, allowing users to connect insights directly to underlying public sources at institutional scale.

Who uses Polygon Research’s mortgage market insights?

Polygon Research’s insights are used by housing-finance stakeholders including lenders, credit unions, regulators, analysts, policymakers, researchers, investors, and fintech teams. The data supports market monitoring, risk analysis, fair lending evaluation, M&A, and strategic planning across the mortgage ecosystem.

How often are these mortgage insights updated?

Polygon Research’s published insights are updated weekly as underlying public datasets are refreshed. Updates reflect current conditions in mortgage originations, pricing, credit performance, and market dynamics.

Can I trust Polygon Research insights and data?

Yes. Polygon Research’s insights are based on documented, loan-level analysis of authoritative public mortgage datasets, including HMDA, agency MBS disclosures, FHA and VA program data, and U.S. Census data. Each chart documents its sources, filters, and definitions, with methodologies designed for transparency, consistency, and responsible use.

Has Polygon Research’s data been used in major industry research or publications?

Yes. Polygon Research’s loan-level mortgage analysis has been referenced in industry research, policy discussions, and trade publications, including coverage by National Mortgage News and collaboration with organizations such as NAHREP. These references reflect the use of Polygon Research’s open-data methodology in broader discussions of mortgage markets and borrower access.

Does Polygon Research publish original mortgage market studies?

Yes. Polygon Research conducts original loan-level research on mortgage market structure, borrower outcomes, and lending channels. This includes independent studies such as the Polygon Research Loan Channel Analysis, which examines pricing, costs, and risk across different origination channels using publicly available mortgage data.

Browse our whitepapers for additional studies and methodology documentation.

How can these mortgage market charts and insights be used?

Polygon Research’s published charts are designed for direct use in research, presentations, policy discussions, and internal analysis. Each chart includes clear sourcing, suggested citations, and options to download the visualization or underlying data, supporting responsible reuse and external sharing.

Want to understand the methodology behind these insights?

Explore Polygon Research’s approach to loan-level mortgage analysis, including data sources, definitions, and analytical assumptions.

Download the methodology overview

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