Methods and system for mining and analyzing real estate information
OwnerLeslie MEYER, Kathy Dudekinventors
Life of this patent
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Abstract
Computer-based processes are disclosed for efficiently mining and analyzing information associated with particular mortgage loans, borrowers and properties. The disclosed processes use property-related data aggregated from multiple sources and jurisdictions to, among other tasks, identify properties owned by an individual and compute combined loan-to-value (CLTV) scores based at least in part on the identified properties.
Claims20
A computer-implemented process comprising:
- (a) receiving input specifying an identifier of an individual;
- (b) searching a plurality of data repositories for properties associated with the identifier, said plurality of data repositories including a data repository of credit header data and a data repository of aggregated loan data, said credit header data representing non-financial information maintained by one or more credit bureaus, said aggregated loan data representing mortgage loans offered by a plurality of lenders;
- and
- (c) for each property identified in step (b), assessing, based at least partly on public recorder data, whether the property is currently owned by the individual;
- (d) detect any liens associated with properties that are assessed to be currently owned by the individual
- (e) computing a combined loan-to-value (CLTV) score based at least in part on any detected liens;
- and
- (f) generating a lien report including the CLTV score,
- wherein steps (a)-(f) are performed by a computerized analytics system that comprises one or more computing devices.
The process of claim 14, wherein the recommendations comprise payment of at least one of the detected liens.
The process of claim 16, wherein the CLTV score computed for the individual is combined with the CLTV score computed for any other identified individuals to generate an overall CLTV score.
A computer-implemented process comprising:
- determining a first property address of a first property associated with an individual;
- conducting a mailing address search of aggregated public assessor data to locate a second property whose mailing address matches said first property address;
- determining, based on public recorder data, whether the second property has been purchased by the individual;
- and
- computing, if the second property has been purchased by the individual, a combined loan-to-value (CLTV) score based at least in part on any detected liens associated with the first property and the second property.
Dependencies are inferred from the claim text.