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10/21/2026

The loan journey.
Connected by intelligence.

The questions change as a loan moves through its lifecycle. Polygon Research connects data and intelligence to help lenders plan, originate, evaluate results, and decide what to do next.

Explore: https://www.polygonresearch.com

10/14/2026

Your mortgage decisions are connected. Your market intelligence should be too.

Plan where to grow, check who you served and how loans perform, then shape the next plan. mortgagedata.ai brings it into one place, now with ASEC 2026 household data.

Ask your next question: https://mortgagedata.ai

09/18/2026

The Fed raised rates this week, but mortgage rates had already been climbing since spring. Between March and May, refinancing for a lower rate fell by more than half, while cash-out refinancing held steady. Most of the refinance demand that remains is coming from homeowners who need cash.

Chart and commentary: https://www.polygonresearch.com/data/rate-and-term-vs-cash-out-refinance-volume

08/26/2026

How big was subprime in 2007? About one in seven first mortgages, roughly 7.5 million loans.

The harder question was what sat inside any single loan. Risks could stack in one file: a thin credit history, limited documentation of income, and a high combined loan-to-value. The industry called it risk-layering, and the public record of the day had no field for any of it.

Today those features are reported individually, so whether they appear together is something you can count.

https://bit.ly/4iuSufh

08/19/2026

Ever wondered what actually makes a mortgage predatory? Flipping, packing, stacking, and targeting.

Swipe through to see how Congress responded to these equity-stripping tactics by creating HOEPA in 1994.

Dive deeper into the structures behind housing on Common Ground: https://bit.ly/4xs6Kuh

08/17/2026

The mortgage market becomes easier to understand when the pieces are connected.

Polygon Research brings borrowers, lenders, products, communities and performance into one view.

polygonresearch.com

08/13/2026

Sometimes a chart puts a familiar feeling into numbers.

The average purchase mortgage has grown by nearly $127,000 since 2018. Most of that increase had already happened by 2022.

The pace has slowed since then. The higher borrowing level remains.

For anyone buying a home, selling one or helping someone through the process, this is part of why the market feels so different today.

We found this while refreshing Polygon Pulse yesterday, and it made us pause.

More about Polygon Pulse in the first comment.

Source: Agency purchase originations. 2026 is year to date.

08/12/2026

In 1890, seven of every ten mortgage dollars in America came from a private individual. Not a bank. A neighbor, the seller carrying paper, an attorney with money to place.

Where you lived decided whether you could borrow at all, and what it cost you.

08/10/2026

How big is the multigenerational housing market?

It depends on which households you count, and there are three reasonable ways to count them.

The Census Bureau counts three or more generations under one roof: 5.1 million households in 2024.

Add skipped-generation households, where grandparents are raising grandchildren, and it reaches 6.4 million.

Add every household where two or more adult generations share a home and it reaches 26.7 million. About one in five American homes.

Same data. Different question.

08/07/2026

Manufactured home property values ranged from $150,000 in Illinois to $415,000 in Washington in 2025.

Most manufactured homes are bought without a mortgage — only 37.3% of buyers finance the purchase. This map covers the 81,138 purchases that were financed with a mortgage secured by real estate.

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Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Website

http://www.polygonresearch.com/polygon-vision

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