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AssigneeFannie Mae
InventorsYekaterina Melnichenko, David Monaco, Michael Bales, Stacey Shifman, Eric Rosenblatt
Estimating the term…
A system comprises a device including a memory with a risk detection application installed thereon, wherein the risk detection application detects strategic defaulters by generating a rule set in response to receiving a search query, the rule set including a plurality of rules that respectively identify strategic default characteristics determined to correspond to a potential strategic default status, each of the plurality of rules having a corresponding weight; accessing a record in a database of loan information; applying the plurality of rules to determine whether the strategic default characteristics are respectively represented in the record; calculating a strategic defaulter score for the record using the corresponding weights for those of the plurality of rules that are determined to be represented in the record; and outputting the strategic defaulter score for the record.
A method for detecting strategic mortgage loan defaulters, the method comprising:
A computer-readable medium tangibly embodying computer-executable instructions for detecting strategic mortgage loan defaulters, comprising:
The computer-readable medium of claim 8, wherein accessing the record includes identifying within the database of loan information a dataset to be examined based on the search query that includes at least the record and subsequently selecting at least the record from the dataset using at least one of the plurality of rules.
The computer-readable medium of claim 8, wherein the record is one of a plurality of records in the database, each of the plurality of records is configured to identify a borrower and associated credit and loan information.
A system, comprising:
Dependencies are inferred from the claim text.