See what changed
Track units, dollars, rates, products, lender share and purchase or refinance momentum across the markets that matter.
Mortgage use case · Performance and market health
See where mortgage demand is strengthening and where risk is building.
Bring production, borrower performance, affordability and local demand into one view. See what changed, what is driving it and where your team should act next.
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Why it matters
Production alone cannot tell you whether a market is healthy.
A market can post higher dollar volume because loan sizes rose while fewer households bought homes. Another can look quiet even as purchase demand, household formation and credit performance improve. Polygon Research connects the signals so your team can see the difference early.
Understand why
Connect origination activity with borrower performance, affordability, employment, migration and household formation.
Decide where to act
Use the evidence to guide market entry, product strategy, staffing, referral development and portfolio oversight.
See it in practice
Ask one question. Get the market story behind the number.
Begin in MortgageData.ai for a sourced answer. Move into Polygon Pulse for market and demand detail, or Polygon Risk when the decision requires deeper performance analysis.
From a market question to a sourced answer
See how to ask in MortgageData.ai, verify the sources and open the market in Polygon Pulse. Video walkthrough coming soon.
Activity and demand
Polygon Pulse
Track agency and FHA activity alongside employment, migration and household demand to understand what is shaping the market now.
Explore Polygon Pulse →Loan performancePolygon Risk
Analyze prepayment, delinquency and default patterns at the loan, cohort and seller level with transparent models.
Explore Polygon Risk →TRY A MARKET QUESTION
How is purchase mortgage demand changing in this county, and which products and lenders are gaining?
MortgageData.ai returns a sourced answer. Polygon Pulse opens the underlying market, lender and demand detail when your team needs to go deeper.
One connected view
Everything you need to understand a mortgage market.
Start with current lending activity. Add borrower and loan performance. Then connect the households, housing conditions and risks shaping what comes next. Polygon Research brings those layers together without rebuilding the analysis from scratch.
Market activity
See production, product mix, rates, loan size and lender share across agency, FHA, HMDA and county recorder data.
Borrower and loan performance
Follow prepayment, delinquency and default patterns by cohort, seller, product and geography where the underlying data supports it.
Demand, affordability and local risk
Understand the households, affordability, migration, property conditions and hazards behind the mortgage numbers.
Built for decisions
Every answer shows its work.
Important findings include the source, geography and data vintage so your team can verify the result and use it with confidence.
Origination activityFannie Mae, Freddie Mac and Ginnie Mae MBS disclosures; FHA endorsement data; HMDA; and county recorder mortgage records.
Loan performanceFannie Mae and Freddie Mac loan-performance datasets, Ginnie Mae disclosures and other permitted performance records used within Polygon Risk.
Demand and affordabilityAmerican Community Survey, Current Population Survey, mortgage rates, the Polygon Affordability Index and local property-market measures.
Risk and geographyFEMA and other public hazard data linked with counties, census tracts, properties and mortgage activity where coverage supports the analysis.
Source and vintageEach finding displays the period it covers, whether it comes from monthly agency data, annual HMDA or community data.
For coverage, update cadence and methodology, see the Polygon Research data overview.
PROOF IN PRACTICE
Watch the analysis. Read the evidence.
See how Polygon finds the signal and traces it back to the source.
On-demand webinar
Mortgage Market Patterns Revealed
See how loan-level data exposes structural shifts, cycles and lender behavior.
Watch now →Local strategy
The National Average Trap
See why national risk headlines can conceal very different local opportunities.
Read the analysis →Current market signal
Why FHA ARM Refinances Are Surging
A real example of finding the borrower paths and lenders behind a sharp market shift.
See what changed →One connected mortgage intelligence stack
Start with the answer. Go as deep as the decision requires.
Common questions
Questions buyers ask before they act.
What does “market health” mean here?
Mortgage market health is the combined direction of production, borrower performance, housing demand, affordability and local risk. Polygon brings those signals together for a defined geography and period.
Can loan performance be measured for every local geography?
Polygon analyzes each signal at the finest geography supported by the source. When performance data is available only at a broader level, the answer states that limit rather than implying false precision.
How current is the analysis?
Agency and FHA activity updates monthly. HMDA and Census releases follow their annual schedules. Every result displays the source period used.
Bring us the market question you need answered.
Ask MortgageData.ai free, explore the underlying market in Polygon Pulse, or talk with us about a decision that needs deeper analysis.