Both RETR and Polygon Research are browser‑based, but they solve different problems. Polygon Research delivers end‑to‑end mortgage market intelligence as true SaaS: analyze loan‑level originations, demographic shifts, borrower shopping behavior, channels, Non‑QM, fair lending, peer benchmarks, capital markets, and servicing risk—within one platform across the full lifecycle from opportunity to servicing.
RETR focuses on relationship intelligence and list building. Users search for refinance leads, agents, and MLOs by production history, export contact lists, and mine past transactions. However, RETR’s reliance on non‑permission‑based agent/MLO contacts and borrower PII creates downstream compliance exposure (e.g., consent, privacy, and outreach rules) and hidden cleaning and remediation costs—wasting time and money. It also lacks borrower behavior analytics, channel‑level intelligence, segmentation, peer benchmarking, or strategic decisioning, and doesn’t distinguish between rate‑and‑term vs. cash‑out refinances.
Polygon Research enables dynamic segmentation, custom peer groups, and comparative analytics at scale; RETR offers contact data and history, but deeper insight requires other tools or expertise.
Polygon Research offers transparent SaaS pricing with public plans starting at $130/month (Vision Starter) and $120/month (Pulse Starter), billed annually, with monthly options available. There are no contracts, no added fees, and users receive immediate platform access with a free trial included. Strategic expertise is built directly into every tier, and all plans allow unlimited querying and exports—Polygon Research does not meter data.
RETR starts at $199/month or $182/month annually for individual LOs, with extra costs for export credits beyond the 300‑credit monthly cap and an additional $100/month LO Recruit add‑on for loan officer contact data. RETR provides a 14‑day trial with 50 export credits, and enterprise prospects face a more complex trial process. RETR meters usage through credit allocations, requiring additional purchases for full access.
Polygon Research delivers true market intelligence as SaaS; RETR delivers contact lists as a subscription service.
"Polygon Research is the gold standard for HMDA data. Their tools are easy to use, their data updates are the fastest in the industry, and their team is exceptionally resourceful. If you need clarity and speed in mortgage data, this is the team to work with."
"When I need to quickly evaluate a specific loan segment, I use Polygon Pulse. MBS Pivot’s loan-level originations data across all three agencies makes it easy to scope analysis to precise ranges—such as loans under $125,000—without friction."
"The team at Polygon Research is outstanding. Their training helped me master data wrangling and analysis, giving me the confidence to 'meet the moment' as a mortgage analyst. Highly recommended for anyone looking to level up their data game."
"HMDAVision is our premier source for HMDA data. The platform is fast, accurate, and easy to use. It’s essential for tracking lender rankings and volumes, allowing us to quickly turn raw data into actionable insights for our clients."
"HMDAVision goes beyond compliance to offer a whole new perspective on your lending activity and market impact. It’s an essential tool for any serious lender looking to turn data into a powerful narrative for both fair lending and marketing."
