Polygon Pulse is a monthly mortgage market intelligence suite built to keep you on top of what is changing right now—nationally and locally. It blends granular agency loan-level data with economic and demographic context so teams can explain shifts in volume, credit box, pricing environment, and borrower mix without waiting for quarterly reports or year-end summaries.

Polygon Pulse helps you spot trend inflections early and adjust pricing, products, and strategy with confidence. It answers practical questions like: What segments are growing or shrinking? How is the credit box shifting (DTI, credit score, LTV/CLTV)? Are rates and loan amounts moving up or down? Which geographies are heating up or cooling off? What’s changing in FHA, conventional, and broker-driven activity?

Polygon Pulse is used by lenders, credit unions, servicers, investors, and analysts who need timely, defensible trend intelligence. It is especially valuable for capital markets, product, pricing, strategy, marketing, and executive teams that want to understand current conditions and communicate a clear market narrative internally.

Polygon Pulse includes three integrated tools: MBS Pivot, FHA Pivot, and CPS Pivot. Together, they connect agency loan-level lending activity with FHA segment dynamics and the economic indicators that shape borrower demand—so you can interpret “what’s happening” and “why” in one place.

Polygon Pulse is updated monthly. MBS Pivot is built on monthly agency loan-level data, allowing you to track trends in volume, rates, and the credit box as new reporting arrives. CPS Pivot provides monthly economic and labor-market indicators that influence borrower demand, and we also incorporate annual supplements such as ASEC to add deeper demographic detail over time.

Polygon Pulse blends monthly agency loan-level datasets (for origination and credit-box trends) with economic and demographic microdata from the Census Bureau’s Current Population Survey (CPS) and related supplements. This combination lets you connect mortgage outcomes to the real-world conditions that drive demand—employment, labor-force participation, income dynamics, and population change—at a granular level.

Yes. Polygon Pulse tracks key “credit box” dimensions such as DTI, credit score, interest rate, loan amount, LTV, and CLTV—so you can see whether changes in volume are being driven by borrower mix, risk posture, pricing environment, or a shift in program/channel composition.

Polygon Pulse is built on microdata and is designed for explainable analysis, not just charts. Many dashboards summarize trends without letting you isolate the “why.” Polygon Pulse lets you cut trends by geography and credit characteristics, compare segments, and connect mortgage outcomes to economic drivers—so you can build a narrative your team can act on.