Mortgage use case · Local market opportunity
Understand a market before you commit people to it
Size the households. See who is already originating there. Find the ZIP codes where purchase volume is moving. Then check what recorded this month. One county at a time, from the public record, with every figure carrying its source and its date.
Available as a chat, a report or a dashboard. Recorder activity refreshes monthly, for every county in the United States.
Households
205.4K
Homeownership
67.4%
2025 originations
13,904+9.8%
Owner units free and clear
41.6K
Illustrative view of Polygon Research analysis. Figures: Polk County, IA. Sources: HMDA 2021–2025, ACS 2020–2024, county recorder through June 2, 2026. The 2026 column is an annualized recorder estimate, shown dashed.
What this use case answers
Start with the decision in front of you
Every question below is answered from named public sources, for a county, metro, ZIP code or branch footprint you define.
How many purchase loans were originated here, and how has that changed?
Is growth coming from more borrowers, larger loans or a shift in product mix?
Which lenders are gaining share in FHA, VA, conventional or Non-QM?
What do household formation, tenure and equity suggest about future demand?
Which ZIP codes moved this year, and which ones went the other way?
Does this market support a branch, a product, an MLO hire or a referral push?
Competitive position
See who is already winning the market
Rank every lender operating in the county by originations and by share, then compare the annual HMDA picture against loans recorded this year. In Polk County, three credit unions hold roughly a third of all purchase volume, which changes what entering that market actually costs.
Producing loan officers appear by NMLS ID with their volume and the ZIP code where they close most of it, so a recruiting or partnership conversation starts from evidence.
Credit union · 15.0% share
Credit union · 7.3% share
Credit union · 5.4% share
IMB · 3.6% share
Builder-captive · 3.0% share
NMLS 938064
105
Top ZIP 50023
NMLS 1083013
56
Top ZIP 50023
NMLS 521205
53
Top ZIP 50310
Illustrative view of Polygon Research analysis. Figures: Polk County, IA. Sources: HMDA 2025 originations; county recorder purchase loans through June 2, 2026, covering 535 producing NMLS IDs.
Illustrative view of Polygon Research analysis. Figures: Polk County, IA. Source: HMDA 2025 purchase originations, allocated to ZIP codes with the same-year HUD tract-to-ZIP crosswalk. Median loan amount, property value and note rate are available for each ZIP.
Where the volume is moving
Separate the biggest ZIP code from the fastest one
The ZIP with the most purchase loans and the ZIP growing quickest are rarely the same place, and they call for different plays. In Polk County, 50023 leads on volume with 949 purchase originations while 50310 grew 11.4 percent on a smaller base.
Each ZIP carries its median loan amount, median property value and median note rate, so a marketing brief can be written against actual price points instead of assumptions.
This month's activity
Add the current pulse to the annual picture
HMDA describes the structure of a market for a complete year, with lender identity, product, lien position and borrower characteristics. County recorder loans run into the current month and add what is happening right now.
The recorder layer refreshes monthly, and every view states the exact date its source runs through. The two layers stay separate throughout. Counts are never blended.
Loans recorded YTD
7,088
Purchase-flagged
3,281
Median loan amount
$187,578
Illustrative view of Polygon Research analysis. Figures: Polk County, IA. Source: county recorder records through June 2, 2026. The current partial month is included and shown at partial height. Recorder loans are not identical to HMDA originations and the two are never added together.
One use case, three formats
Ask it, own it, or explore it
Ask the question in plain English, take the market away as a document you can circulate, or work it yourself in a dashboard. All three analyze the same underlying data. What changes is the form the answer arrives in.
As a chat
MortgageData.ai
Ask in plain English, get a sourced answer.
- Ask about any county, metro or lender
- Every answer states source and vintage
- No setup, no call
As a report
County Market Playbook
Any U.S. county, delivered as a PDF you can circulate.
- Addressable market, product mix, competition
- Purchase activity ranked by ZIP code
- Current recorder activity, refreshed monthly
- A 90-day plan with a scorecard
- Free refresh when 2026 HMDA publishes
As a dashboard
Polygon Vision
Interactive, nationwide. Or $166/month billed annually.
- Nationwide, 85,000+ census tracts
- Eight years of loan-level HMDA
- Peer benchmarking and fair-lending views
- Includes the MortgageData.ai analyst
How this differs from a lead list
Aggregate geography, sourced and dated, every view
Most local market products in this industry sell contact records. This use case gives you an understanding of the market those records sit inside, in a form your compliance function can evaluate before anyone acts on it.
- No consumer names, no property addresses, no individual scoring.
- Every figure carries its source and exact period. Trailing windows state their start and end dates.
- Census estimates print their 90 percent margins of error rather than hiding them.
- Intended-use language travels with the analysis, including that ZIP evidence adds focus and never exclusion.
- Methodology published before you buy anything.
Evidence
What happens when the whole record arrives connected
Origination growth at Hudson Valley Credit Union, against a market that grew 10.2 percent.
Mortgage, property, agency, borrower and community data joined by geography, and answers that arrive in an afternoon instead of a planning cycle.
Very few products I would endorse wholeheartedly. HMDAVision is one of them.
Jim Deitch, CEO, Teraverde
HMDAVision is the loan-level mortgage layer in this analysis. County recorder, agency, FHA and Census data join it by geography.
Common questions
Before you start
How often is this updated?
The county recorder layer refreshes monthly and every view states the exact date its source runs through. HMDA publishes annually and gives the complete picture of every origination for that year. Agency and FHA activity update monthly. The layers are shown separately so you always know which one a figure came from.
Can I define my own market?
Yes, wherever the underlying datasets support the geography: county, metro, ZIP code, census tract or a branch footprint you assemble. The market definition is stated before any lender or opportunity comparison is made.
Should I buy a report or start a trial?
If you need one market documented and shareable, the $149 county report is the faster path. If you are comparing several markets, testing scenarios or working this monthly, Polygon Vision at $166 per month billed annually is the better purchase. Asking a free question at MortgageData.ai is a reasonable way to test the data before either.
Is this a lead list?
No. There are no consumer names or property addresses. Loan officers appear by NMLS ID because they are licensed professionals in a public registry. Everything else is aggregate at the county, ZIP or tract level.
We already use a recruiting or agent-data tool. Why this?
Those tools tell you who is producing. This tells you how large the market is, how concentrated it already is, which products are growing, what the household and equity conditions look like underneath, and what a plan against those conditions would contain.
Name a county and we will bring the record
Every mortgage originated in your market last year is already public, and this month's loans are already recorded. The work is assembling them into something you can act on.
Or ask one free question at MortgageData.ai first.