Polygon Research

Polygon Research is a privately owned mortgage data-science company based in Washington, D.C. We give lenders, credit unions, investors, and policymakers a single, unified, loan-level view of the U.S. mortgage market—connecting growth (marketing & sales), compliance (fair lending), and risk (prepayment, credit, and climate). We unlock and model microdata from 20+ public datasets (including HMDA, Census ACS & PUMS, FHA, GSE & Ginnie Mae MBS, CPS, SCF and more) into web-based, self-service dashboards—no installs, no IT projects, and no raw data downloads. Instead of static reports or sampled data, users get instant, interactive analytics with maps, charts, peer benchmarks, and exportable tables. Our platform powers work across the industry: Polygon Vision – Strategic market intelligence and fair lending (HMDAVision, CensusVision, BranchVision). Polygon Pulse – Monthly/quarterly agency trends, pricing, FTHB and LLPA insights (MBS Pivot, FHA Pivot, CPS Pivot). Polygon Risk – Prepayment, credit, and climate risk analytics (including TerraVision, blending FEMA NRI, HMDA, and Census for environmental hazard exposure). Polygon Academy – On-demand education to build internal data talent and turn users into power mortgage market analysts. With 124M+ HMDA loan records, 25+ years of history, full U.S. coverage (all states, counties, tracts, and ZIP codes), and geo-crosswalks over time, we support deep comparative analytics: competitive positioning, fair lending (redlining, pricing, steering, underwriting), portfolio and climate risk, and borrower behavior modeling for targeted growth. We’re trusted by organizations like NAHREP, Fannie Mae’s Future Housing Leaders, Mortgage Research Center, Hudson Valley Credit Union, loanDepot, Stratmor, AIME, Vetted VA, ACUMA, and many others, and our tools are consistently described as the most robust and intuitive way to analyze the mortgage market. Learn more at polygonresearch.com.