POLYGON VISION · THE COMPLETE MARKET VIEW

Mortgage market intelligence at loan level

Q: How does the Polygon Vision free trial work?

The Polygon Vision free trial lasts 7 days and unlocks the full product experience. A credit card is required to start the trial, but you will not be charged if you cancel within the trial window. Trial data is offset by one year from the paid version; upgrading switches you to the most current dataset available for your tier.

Explore market share, pricing, products, borrowers, peers, and fair lending patterns across 138 million mortgages and eight years of history.

Start a free trial See Vision in action

FOUR CONNECTED VIEWS. ONE MARKET.

HMDAVisionEvery lender. Every market.

Loan-level mortgage intelligence.

CensusVisionKnow who lives there.

People, households, housing, and migration.

TerraVision · PremiumMap risk to lending.

Hazard exposure by lender and census tract.

BranchVision · BetaSee the physical footprint.

Branches, deposits, and local presence.

Four applications. One connected market view.

DATA DEPTH

Unmatched depth across loans and communities.

Connect loan-level lending with population, housing, and neighborhood context to understand what is happening in every local market and why.

HMDAVision

138

Million mortgage records

4770

Lenders benchmarked

Years of modern HMDA

CensusVision

340

Million people represented

133

Million housing units

14.8

Million household movers

THE POLYGON VISION SUITE

One connected view of lending and communities.

Move from national mortgage trends to the local conditions shaping every market. Polygon Vision connects loan-level activity, people, housing, natural hazard exposure, and physical market presence in one analytical environment.

HMDAVision

Mortgage markets, lenders, borrowers, pricing, products, peers, and fair lending.

Explore HMDAVision 02

CensusVision

Population, households, housing, income, migration, and local demand.

Explore CensusVision 03 · PREMIUM

TerraVision

Natural hazard exposure connected with lender activity and local mortgage volume.

Explore TerraVision

04 · BETA

BranchVision

Bank and credit union branch presence, locations, and deposits by market.

In beta

HMDAVISION

See the mortgage market at loan level.

HMDAVision reveals how lending changes across lenders, borrowers, products, pricing, geography, and time. Start with the national market, then examine an individual county, ZIP code, or census tract.

Compare lenders, market share, and year-over-year growth
Examine borrower, product, purchaser, and pricing characteristics
Explore markets down to ZIP code and census tract
Customize tables around the dimensions that matter

01Compare lenders, market share, and year-over-year growth

02Examine borrower, product, purchaser, and pricing characteristics

03Explore markets down to ZIP code and census tract

04Customize tables around the dimensions that matter

Explore HMDAVision Watch a short walkthrough

HMDAVision dashboard for Albany County showing mortgage originations by census tract, lender rankings, market share, and growth. — Albany County, New York: originations by census tract with lender rankings, market share, and annual growth.

CORE HMDAVISION WORKFLOWS

Market strategy and fair lending, built on the same evidence.

Compare institutions, communities, and outcomes without rebuilding the market for each question.

FAIR LENDING INTELLIGENCE

Move from broad indicators to focused fair lending review.

Screen redlining, underwriting, pricing, marketing, and steering with loan-level HMDA data. Move from national patterns to individual census tracts, then compare results with relevant peers.

Minority and LMI market coverage
Applications, approvals, pricing, and outcomes
Institutional performance against relevant peers
National patterns down to census tracts

01Minority and LMI market coverage

02Applications, approvals, pricing, and outcomes

03Institutional performance against relevant peers

04National patterns down to census tracts

Explore fair lending intelligence

HMDAVision fair lending dashboard with redlining, underwriting, pricing, marketing, geography, and summary analysis options. — Repeatable screening workflows for redlining, underwriting, pricing, marketing, geography, and market comparison.

PEER INTELLIGENCE

Benchmark performance against the institutions that matter.

Build relevant peer groups and compare lending footprints, borrower mix, market coverage, pricing, and outcomes. See where performance diverges and investigate why.

Custom lender and peer groups
Geographic coverage and market presence
Borrower and application mix
Parity across selected populations and markets

01Custom lender and peer groups

02Geographic coverage and market presence

03Borrower and application mix

04Parity across selected populations and markets

HMDAVision peer parity dashboard comparing a selected lender with custom peers across applicant segments. — Custom peer selection with side-by-side application mix, differences, and parity measures.

HMDAVISION IN ACTION

Proprietary intelligence built from observed mortgage activity.

Polygon Research turns transparent loan-level data into decision tools that expose both the result and the factors driving it.

POLYGON AFFORDABILITY INDEX

Measure affordability as borrowers actually experience it.

PAI measures the lived reality of people purchasing homes with mortgages, not an abstract average buyer. Explore applicant income, payment burden, price burden, down payment burden, loan characteristics, and geography to understand what is driving affordability and which levers may help.

Explore the Affordability Index

HMDAVision Non-QM dashboard showing market trends, lender rankings, product features, purchaser types, and customizable geography.

NON-QM MARKET INTELLIGENCE

See the Non-QM market in local detail.

Analyze Non-QM volume, lenders, borrower profiles, product features, purchaser types, geography, and trends over time. Public state market reports make the opportunity visible, while HMDAVision provides the deeper, customizable analysis.

Explore state Non-QM reports

CENSUSVISION

Understand the people and housing behind demand.

CensusVision transforms ACS microdata into interactive intelligence about people, households, housing, income, migration, affordability, and local market change.

Trace household and population movement between markets
Explore income, employment, household, and housing characteristics
Analyze mortgage, rent, tenure, and housing cost burdens
Filter from national patterns to local communities

01Trace household and population movement between markets

02Explore income, employment, household, and housing characteristics

03Analyze mortgage, rent, tenure, and housing cost burdens

04Filter from national patterns to local communities

Explore CensusVision Watch a short walkthrough

CensusVision dashboard showing population relocation flows between states and metropolitan areas. — Population movement from states to destination metropolitan areas, with connected migration flows and market scale.

TERRAVISION · PREMIUM

Connect mortgage activity with natural hazard exposure.

TerraVision helps lenders and housing organizations understand where natural hazards overlap with mortgage activity. Isolate individual hazards, move from county to census tract, and compare exposure with origination volume and lender presence.

Focus on one natural hazard at a time
Explore estimated loss and risk ratings
Analyze exposure down to census tract
Compare local risk with lending activity

01Focus on one natural hazard at a time

02Explore estimated loss and risk ratings

03Analyze exposure down to census tract

04Compare local risk with lending activity

Explore TerraVision Watch a short walkthrough

TerraVision dashboard mapping estimated annual loss from natural hazards by county and census tract. — Estimated annual loss by geography with individual hazard controls and census tract selection.

BRANCHVISION · BETA

See physical market presence alongside lending activity.

BranchVision connects bank and credit union locations with branch deposits and institution type. Understand where financial institutions maintain a physical presence and how that footprint relates to local market activity.

Built from FDIC branch data and NCUA call report data.

BranchVision dashboard comparing financial institution branch counts and deposits by institution class and lender. — Branch counts, deposits, institution class, lender type, and physical market presence.

DECISIONS POLYGON VISION SUPPORTS

From a market question to evidence you can use.

Where should the organization grow?

Identify markets, products, borrowers, and channels with measurable opportunity.

How does performance compare?

Benchmark production, market share, borrower mix, pricing, and outcomes against relevant peers.

Where should fair lending review focus?

Surface geographic and demographic patterns that warrant deeper examination.

What local conditions are changing?

Connect lending with migration, housing, affordability, hazards, and market presence.

Polygon Vision equips you with a dual lens - HMDAVision and CensusVision - for unmatched market clarity.

New in HMDAVision

Non-QM Quantified Across 74 Million Closed Loans

A stylized card with three use cases for using QM flag.

Non-QM Markets

Using the actual ATR/QM rule logic and year-specific thresholds, you can finally track the non-QM market by lender, product, channel, geography, and borrower segment - not just in headlines or securitization decks.

Understand Non-QM Features

Instantly see if a loan triggered Non-QM status due to pricing (rate spread), product features (IO/Balloon), or points and fees.

Map Opportunity and Risk

Overlay Non-QM lending patterns on census tracts, income categories, and demographic data to identify underserved markets.

Actionable insights about borrower needs

Master Your Borrower Profiles

Build borrower profiles to focus market outreach

Borrowers have different needs at different stages of life. First-time home vs. Repeat home buyers. Meet your borrowers where they are.

Anticipate market shifts and find the pattern

Go beyond averages to spot emerging borrower patterns and align your strategy for future success.

Strategically focus your outreach

Leverage advanced filters to understand diverse borrower characteristics, enabling tailored communication and efficient resource allocation.

Smart sales management

Empower Your LOs. Activate Local Markets. In Minutes.

Miami-Dade County mortgage market map by zip code.

Pinpoint opportunities & grow partnerships

Empower LOs with hyper-local market maps to identify prime areas and foster stronger real estate connections.

Build authority & expertise

Transform LOs into trusted advisors with irrefutable, data-backed insights from HMDAVision, eliminating guesswork.

Streamline presentations & save resources

Deliver instant, presentation-ready market insights, equipping LOs without the need for extensive data science teams.

Compliant growth

Scan for fair lending gaps and find opportunities

Birmingham AL map of mortgage originations by majority-minority census tract (MMCT)

Mortgage originations map by MMCT

Instantly scan your market for any gaps in originations by mapping and calculating the results simultaneously. Avoid redlining risk.

Scan for underwriting risk

Instantly compare approval and denial rate between protected groups and non-protected class to spot any disparities. Understand how your result compares to market and peers.

Scan for other fair lending risks

Map your originations or applications by area demographics and analyze your competitors patterns. Find opportunities in underserved markets.

POLYGON VISION FAQ

Questions about Polygon Vision

The data, applications, workflows, and access in one place.

What is Polygon Vision?+

Polygon Vision is a connected market intelligence suite for analyzing mortgage lending, borrowers, products, pricing, communities, peers, fair lending patterns, physical presence, and natural hazard exposure.

What questions can Polygon Vision answer?+

Teams can compare lenders and market share, examine borrower and product characteristics, study pricing and outcomes, benchmark relevant peers, screen fair lending patterns, and connect lending activity with community context.

How much mortgage data does Polygon Vision cover?+

Polygon Vision includes 138 million loan-level mortgage records across eight years of history, allowing users to examine current conditions and change over time.

What data is included?+

The suite connects public and regulatory sources including HMDA, ACS microdata, FDIC and NCUA branch data, and natural hazard datasets. Definitions and vintages remain visible so results can be interpreted responsibly.

Which applications are included?+

Polygon Vision brings together HMDAVision, CensusVision, TerraVision in the Premium tier, and BranchVision in beta. Each application answers a different part of the market question while sharing a connected analytical foundation.

How does Polygon Vision support fair lending analysis?+

HMDAVision provides repeatable screening workflows for redlining, underwriting, pricing, marketing, and steering. Users can examine geographic and demographic patterns, compare relevant peers, and identify areas for deeper review.

How is Polygon Vision different from static reports?+

Instead of stopping at a ranking or summary, Polygon Vision lets users move from national patterns to an individual county, ZIP code, or census tract, customize tables, test comparisons, and inspect the evidence behind a result.

Who is Polygon Vision for?+

Polygon Vision supports banks, credit unions, independent mortgage lenders, fintechs, advisors, researchers, and policy teams that need transparent mortgage and housing market intelligence.

Frequently asked questions

About Polygon Vision

What is Polygon Vision?

Polygon Vision is a mortgage market intelligence platform built to answer strategic questions instantly and with clarity. It unifies housing demand and demographics with mortgage credit outcomes, lending activity, and local competition—so teams can explain what is happening in their markets and tune strategy as conditions shift.

What kinds of questions can Polygon Vision answer?

Polygon Vision is designed for real strategic questions, not just rankings. It helps you connect (1) housing and demographics (demand), (2) loan-level mortgage outcomes (credit availability), (3) fair lending and credit access signals, (4) MLO workforce dynamics like tenure, turnover, and productivity, and (5) branch presence and location—so you can see how market structure, distribution, and performance fit together.

How many years of HMDA data does Polygon Vision cover?

Polygon Vision includes multiple years of modern HMDA, covering every year since 2018—when HMDA expanded in depth and usability for market analysis. That multi-year coverage allows you to measure change over time, compare cycles, and separate one-off volatility from real structural shifts in borrowers, pricing, and credit access. This allows also for accurate local, contextual, and accurate market forecasts.

How large is Polygon Vision’s dataset?

Polygon Vision is built on loan-level microdata at national scale. Our HMDA component includes 138+ million mortgage applications since 2018, allowing analysis across lenders, geographies, borrower segments, and product types. The platform also integrates branch-level, people-level, and household-level context so insights are not just “what happened,” but “why it happened here.”

What data is included in Polygon Vision?

Polygon Vision blends major public and regulatory datasets into one consistent analytical layer. That includes HMDA (loan/application outcomes), Census and ACS (demographics and housing context), NMLS (MLO workforce and lender licensing context), and branch location data for understanding service presence. We are transparent about data definitions and timing so users can interpret results responsibly.

What does Polygon Vision include?

Polygon Vision includes three integrated apps—HMDAVision, CensusVision, and BranchVision—designed to work together. This lets you move from market demand and demographics, to loan-level outcomes and pricing, to branch presence and competitive coverage without switching tools or reconciling inconsistent definitions.

Who is Polygon Vision for?

Polygon Vision is used by banks, credit unions, independent lenders, fintechs, and advisors who need a reliable read on market structure and change. It is especially valuable for strategy, marketing, compliance, product, and executive teams that want to think clearly with data and align decisions across departments.

Is Polygon Vision easy to use if you’re not technical?

Yes. Polygon Vision is built for non-technical users who need answers, not code. You can filter, compare, and export results through intuitive dashboards. Because the platform is built around explainable concepts (not black-box outputs), it also helps teams build stronger data literacy over time.

How is Polygon Vision different from rankings, lead lists, or static reports?

Polygon Vision is built for explanation and decision-making. Rankings may tell you “who is #1,” and lead lists may tell you “who to call,” but neither explains why markets are shifting or what strategy should change. Polygon Vision helps teams test hypotheses, control for key variables, and build a narrative they can defend internally and externally.

How does the Polygon Vision free trial work?

The fastest way to evaluate our data is mortgagedata.ai, which has a forever-free tier — 3 answers a day and 15 a month, with no credit card required. If you are evaluating the full Polygon Vision suite, ask us for a guided 7-day trial and our team will set you up personally, usually the same day.

What is HMDAVision?

HMDAVision is a loan-level mortgage analytics application built on HMDA data. It helps professionals analyze lending activity, borrower outcomes, pricing, competition, and fair lending signals using transparent, explainable views rather than rankings or black-box scores.

How many mortgage transactions are included in HMDAVision?

HMDAVision includes 138+ million mortgage applications and originations, based on loan-level HMDA data from 2018 through the most recent release. This scale allows for robust analysis across lenders, geographies, borrower segments, and market cycles. (Updated April 2026.)

What data sources are used in HMDAVision?

HMDAVision is built on loan-level HMDA data and enriched with Census demographic context and NMLS licensing data. These sources provide borrower, household, geographic, and institutional context while preserving transparency and regulatory familiarity.

How is HMDAVision different from the CFPB HMDA Data Browser?

The CFPB’s HMDA Data Browser is a valuable public tool for viewing and downloading HMDA data. HMDAVision builds on the same underlying HMDA Loan Application Register (LAR) data but is designed for analysis rather than lookup. It provides loan-level controls, comparative views, market segmentation, pricing and cost analysis, fair lending signal exploration, and integrated Census and NMLS context—making it easier to ask and answer real strategic and compliance questions without manually exporting and reconciling data.

What years of HMDA data does HMDAVision include?

HMDAVision includes multiple years of modern HMDA data starting in 2018, when HMDA reporting expanded in depth and usability. This allows users to measure change over time, compare market cycles, and distinguish short-term volatility from structural trends.

Does HMDAVision include loan originator (NMLS) coverage?

Yes. HMDAVision incorporates NMLS licensing data covering 350,000+ loan originators per year, beginning with the 2018 HMDA cycle through the most current HMDA release. This provides important institutional and workforce context when interpreting lending activity and outcomes.

How often is HMDAVision updated?

HMDAVision is updated monthly to capture HMDA corrections and late filings. While HMDA Loan Application Register (LAR) data is released annually—typically in March, with a stabilized snapshot in June—monthly updates ensure users are working with the most complete and accurate version of the data available.

How does HMDAVision relate to Polygon Vision?

HMDAVision is one of the core applications within the Polygon Vision suite. It can be used on its own for loan-level HMDA analysis, or alongside other Polygon Vision apps to connect borrower outcomes with demographics, market structure, and distribution strategy.

How does the HMDAVision free trial work?

HMDAVision is one of the applications in the Polygon Vision suite. To explore the same underlying data free, start on mortgagedata.ai, which has a forever-free tier — 3 answers a day and 15 a month, with no credit card required. For a guided 7-day trial of the full Vision suite, including HMDAVision, ask our team and we will set you up personally.

What kinds of questions can HMDAVision answer?

HMDAVision is designed for real analytical questions—such as who is borrowing, how borrowers are priced, where competition exists, and where outcome differences may warrant review. It supports redlining, underwriting, pricing, and marketing analysis using controlled, loan-level views.

What is CensusVision?

CensusVision is a community intelligence platform built on five years of ACS PUMS microdata. It helps lenders, nonprofits, and public agencies understand housing demand, affordability, demographics, and population dynamics beyond mortgage activity.

What data sources are used in CensusVision?

CensusVision is built on American Community Survey (ACS) 1-Year PUMS microdata from iPUMS USA, using a rolling five-year window to support stable, granular community analysis.

How does CensusVision help define total addressable markets?

CensusVision measures population, households, income, affordability, and housing characteristics to estimate true housing demand—before credit decisions occur—helping teams define the real size and structure of their market.

What kinds of questions can CensusVision answer?

CensusVision answers questions about who lives in a community, how households form, what housing they occupy, what they can afford, and where unmet demand or structural barriers exist.

How is CensusVision different from HMDA-based tools?

HMDA-based tools focus on mortgage applications and outcomes. CensusVision focuses on the underlying population and housing stock—providing context on demand, affordability, and demographics before lending occurs.

How often is CensusVision updated?

CensusVision is updated annually as new ACS microdata becomes available, maintaining a rolling five-year window to balance timeliness with statistical stability.

How is CensusVision different from data.census.gov?

data.census.gov is a general-purpose portal for accessing Census Bureau tables and reports across many policy domains. CensusVision is purpose-built for housing and housing finance use cases. It works directly with ACS PUMS microdata curated specifically for housing analysis, uses multiple years of data for trend analysis and forecasting, and provides interactive exploration designed around affordability, tenure, housing demand, and community context. CensusVision is built on microdata accessed via iPUMS USA, enabling analysis that is not possible through summary tables alone.

How is CensusVision different from HMDAVision?

CensusVision and HMDAVision answer different but complementary questions. CensusVision is built on survey-based, self-reported Census microdata and is designed to understand communities, affordability, population characteristics, and housing demand—what exists before a mortgage application. HMDAVision is built on loan-level HMDA transaction data reported by lenders under Regulation C, with strict reporting standards and regulatory guardrails, and focuses on actual mortgage applications, originations, pricing, and outcomes. Together, they allow users to connect housing demand and community context with observed mortgage credit outcomes.

SEE POLYGON VISION IN ACTION

See your market more clearly.

Explore lenders, products, pricing, borrowers, peers, and fair lending patterns across 138 million mortgages and eight years of history.

Start a free trial Watch a short walkthrough

Ready to get started?

Take the first step to growing your loan production

Start Your Free Trial

By subscribing you agree to our Privacy Policy and provide consent to receive updates from our company. You can unsubscribe at any time.