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Grounded in structured data
Answers are computed from analysis-ready mortgage and housing datasets, including HMDA lending, county recorder transactions, and agency activity.
MORTGAGEDATA.AI · BY POLYGON RESEARCH
Ask the U.S. mortgage market.Get an answer you can trace.
MortgageData.ai connects Polygon Research’s governed data foundation to a plain-English assistant and your organization’s AI tools. Ask about lenders, local markets, borrower demand, agency activity, and more—with the source and vintage attached.
3 free questions a day, up to 15 a month. No credit card.
VIDEO PLACEHOLDER
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MortgageData.ai product overview
Suggested asset: a 60–90 second walkthrough showing a plain-English question, the computed answer, and its source and vintage.
VERIFIED MORTGAGE INTELLIGENCE
A faster answer still needs a trusted foundation.
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Source and vintage included
Every number carries the information needed to understand where it came from and how current it is.
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Built for plain English
Ask the market question as you would ask a colleague. The data work happens behind the answer.
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Shaped by mortgage expertise
Polygon’s data models and methods reflect the products, channels, regulations, and market structure behind residential mortgage banking.
MCP SERVER
Mortgage market intelligence, inside the AI tools your team already uses.
The MortgageData.ai MCP server connects authorized AI environments to Polygon’s governed data layer. Your team can ask a question in plain English and receive a structured, source-cited answer within the workflow already open.
- ✓Works with supported MCP-compatible AI environments
- ✓Authenticated access through a customer-specific key
- ✓Dataset access aligned to the customer’s subscription
- ✓Source and vintage preserved in the response
VIDEO PLACEHOLDER
Your AI tool
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MCP
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Polygon data
Show the MCP in a real mortgage workflow
Suggested asset: a short screen recording of an authenticated question asked from ChatGPT, Claude, or another supported MCP host.
MORTGAGEDATA.AI IN PRACTICE
Everything your team needs to understand a mortgage market.
Market size, borrowers, properties, referral partners, lender activity, loan performance, and more—ready for the next question in plain English.
01MARKET OPPORTUNITY
Find where growth is forming.
Size purchase, refinance, HELOC, FHA, VA, agency, and Non-QM activity by market, product, lender, and borrower segment.
USEFUL FORGrowth, product strategy, market expansion
Explore this use case →02MLO BUSINESS DEVELOPMENT
Help MLOs build a local business.
Understand the properties, borrowers, and referral networks that shape a local market, including real estate agents, brokers, builders, and other partners.
USEFUL FORMLOs, branch managers, sales enablement
Explore this use case →03HIRING AND RETENTION
Recruit with the market in view.
See where MLOs are producing, the products and communities they serve, and where your organization can give them a stronger platform for growth.
USEFUL FORRecruiting, sales leadership, branch growth
Explore this use case →04COMPETITIVE POSITION
Know who is winning in each market.
Compare lenders and MLOs across production, market share, products, channels, pricing, and borrower reach.
USEFUL FORStrategy, sales, executive leadership
Explore this use case →05BORROWER AND COMMUNITY
See the market through the borrower.
Connect mortgage activity with income, age, household composition, homeownership, language, migration, and housing characteristics.
USEFUL FORMarketing, CRA, fair lending, product development
Explore this use case →06PERFORMANCE AND MARKET HEALTH
Understand the health of the local market.
Track prepayment, delinquency, and default behavior alongside production, property activity, housing demand, and local economic conditions.
USEFUL FORRisk, servicing, capital markets, leadership
Explore this use case →MORE QUESTIONS · SAME DATA FOUNDATION
Pricing. Fair lending. Affordability. Risk. Agency delivery. Branch strategy.
MortgageData.ai is built for the questions that follow the first answer.
SEE IT IN PRACTICE
Two mortgage-market questions already answered in public.
These pages show the method, geography and data period behind the result. They are the proof layer for the broader use cases above.
LEARN FROM THE EVIDENCE
See the thinking behind the answer.
Watch how mortgage data reveals patterns, then read why connected, sourced data matters when a question becomes a business decision.
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On-demand webinar
Mortgage Market Patterns Revealed
See how loan-level data exposes structural shifts, cycles and lender behavior.
Watch now →Data foundation
Where Data Intersects, Opportunity Appears
See why useful answers depend on mortgage, housing and community data connected by geography.
Read the analysis →Responsible growth
Why Strategy Beats Borrower Lists
Understand the difference between market intelligence and appended personal contact data.
See the distinction →ONE INTELLIGENCE LAYER · THREE WAYS TO USE IT
Ask directly. Connect through MCP. Turn the answer into a report.
MortgageData.ai closes the gap between a question, the data behind it, and the work product your team needs next.
AI ASSISTANT
Start with a question.
Open MortgageData.ai and ask about the U.S. mortgage market in plain English. The answer is computed from the data and returned with its source and vintage.
- ✓3 free questions a day, up to 15 a month
- ✓No credit card required
- ✓Plain-English follow-up questions
- ✓Grounded answers you can inspect and use
SCREENSHOT PLACEHOLDER
Who leads purchase lending in Cook County, IL?Ask →
✓ Source + vintage attached
REPORT PREVIEW PLACEHOLDER
Local Mortgage Market Playbook
MARKET MAP / CHART
FINISHED REPORTS
When the answer needs to travel, make it a report.
The same governed data becomes a finished Local Mortgage Market Playbook you can use with a client, referral partner, or leadership team.
- ✓Built for a selected local market
- ✓Clear market context in a finished format
- ✓Purchased individually, with no account required
- ✓Local Mortgage Market Playbook from $149
WHY POLYGON RESEARCH
Mortgage questions need a mortgage data foundation.
General AI tools can explain concepts. Precise market questions require structured records, domain logic, and a clear path back to the source. Polygon Research has spent years building that layer across lending, property, agency, housing, and household data.
138M+HMDA loan recordsSource: CFPB HMDA, 2018–2025.
Fannie · Freddie · GinnieAgency origination activitySources: Fannie Mae, Freddie Mac and Ginnie Mae public disclosures. Vintages vary.
County recorderProperty transaction contextSource: Cotaility county recorder records. Geographic coverage varies.
ACS · CPSHousehold and housing demandSource: U.S. Census Bureau ACS and CPS. Survey years vary.
Review data sources, coverage and methodology →CLIENT PROOF
What clients are saying about faster access to mortgage intelligence.
These cards are intentionally staged as placeholders until approved client quotes are supplied.
QUOTE PLACEHOLDER 01
Add a client quote about moving from a market question to a sourced answer.
Client name / role / companyQUOTE PLACEHOLDER 02
Add a client quote about bringing governed mortgage data into an AI workflow.
Client name / role / companyQUOTE PLACEHOLDER 03
Add a client quote about saving analyst time or improving decision confidence.
Client name / role / companyREADY TO ASK?
Try MortgageData.ai free. Bring us into your AI environment when your team is ready.
THE DETAILS
Frequently asked questions
Questions about enterprise access or a specific dataset? Talk with Polygon Research and we will map the right path.
Contact us →What is MortgageData.ai?
MortgageData.ai is Polygon Research’s AI access layer for governed mortgage and housing intelligence. It includes a direct assistant, finished local market reports, and an MCP server for authorized enterprise connections.
How is MortgageData.ai related to Polygon Research?
Polygon Research builds and governs the data foundation. MortgageData.ai is the working destination for asking questions, creating an account, viewing plans, and purchasing reports.
How is the assistant different from the MCP server?
The assistant is used directly at MortgageData.ai. The MCP server connects authorized Polygon data access to a supported AI environment your team already uses. Both rely on the same governed foundation and preserve source and vintage information.
What is included in the free tier?
The free tier includes 3 questions a day, up to 15 a month, with no credit card required. Current paid plans and report pricing are listed at MortgageData.ai.
How is this different from asking a general AI tool about the mortgage market?
General AI tools typically draw from training data or public web content. MortgageData.ai computes answers from structured mortgage and housing datasets and identifies the source and vintage behind the result.
Which data is available?
Current assistant coverage includes HMDA lending, county recorder transactions, and agency activity. Additional Polygon datasets and enterprise access depend on the plan, subscription, and implementation.
Is MCP access controlled?
Yes. MCP access is authenticated through a customer-specific key, and available datasets are tied to authorized access. Enterprise teams can review their security and integration requirements directly with Polygon Research.
Can MortgageData.ai replace a formal compliance review?
MortgageData.ai supports research and analysis. AI-generated output is informational and should be validated within your organization’s compliance, legal, credit, and decision-making processes.