| Polygon Research | iEmergent | |
| Ability to drill from national to a single loan instantly for any segment. |  |  |
| One unified platform for community, affordability, and opportunity with instant interactive analysis. | | |
| Peer segmentation with predefined peer groups or custom. | | |
| Full lifecycle Fair Lending analysis - redlining, marketing, underwriting, pricing, and steering - at any segment. | | |
| Unified Fair Lending Score across dimensions. | | |
| Credit score, APR, Monthly Mortgage Payment, Total Interest Payments (TIP) | | |
| 3rd party data integrated with HMDA Loan-level data, updated monthly. | | |
Polygon Research | iEmergent | |
|---|---|---|
| Web-based, SaaS | ✓ | ✓ |
| Instant Drilldown by Segment | ✓ | ✕ |
| Peer Segmentation | ✓ | ✕ |
| Borrower Credit & Pricing Context | ✓ | ◐ |
| Borrower-Paid Cost Analytics | ✓ | ✕ |
| Monthly Payment & TIP Modeling | ✓ | ✕ |
| Borrower Shopping Index (BSI) | ✓ | ✕ |
| Fair Lending – Redlining | ✓ | ◐ |
| Fair Lending – Marketing | ✓ | ✕ |
| Fair Lending – Underwriting | ✓ | ✕ |
| Fair Lending – Pricing & Steering | ✓ | ✕ |
| Unified Fair Lending Score | ✓ | ✕ |
| Integrated 3rd-Party Data | ✓ | ◐ |
| Methodology Transparency | ✓ | ✕ |
| Dedicated Education and Training | ✓ | ✕ |
| Transparent pricing, no hidden fees, no contracts | ✓ | ✕ |
| Monthly and Annual Subscription options | ✓ | ✕ |