Ellie Mae, Inc.

Limin Hu

Ting-Hu Wu

Babak Khanpour

Ching-Chih Jason Han

Jonathan Howard Corr

Tsu-Wang Chen

Richard E Roof

A loan origination and processing system is described. The system can reside on a server computer that is coupled to a data store storing data related to a borrower. The server computer is further coupled to a brokerage network that comprises a loan officer client, a loan processor client, and a broker manager client. Each brokerage client computer executes a unique interface to the loan origination and processing system.

Loan origination software system for processing mortgage loans over a distributed network

A hierarchical security model for networked computer users is described. Files and resources are controlled or created by users within the network. Each user within the network has an account that is managed by a network administrator. The account specifies the user identifier and password. Users are grouped into organizations depending upon function or other organizational parameter. The groups within the network are organized hierarchically in terms of access and control privileges. Users within a higher level group may exercise access and control privileges over files or resources owned by users in a lower level group. The account for each user further specifies the group that the owner belongs to and an identifier for any higher level groups that have access privileges over the user's group. All users within a group inherit the rights and restrictions of the group.

Enterprise security management system using hierarchical organization and multiple ownership structure

A loan screening system and methods are described. One method includes monitoring loan application data as it is entered into a client application, extracting loan application data from the monitored data in accordance with a first pre-determined criteria, matching the extracted data against supplier products and displaying one or more of the matching supplier products within a client application interface.

Loan screening

A loan submission and processing system, methods, apparatus and computer program products. One example method includes receiving user specified input relating to a loan application, storing the user specified input in a loan application file, determining a partner system that is to receive data related to the electronic loan application including dynamically determining a format and contents required to present a service request to the partner system for processing by the partner system, dynamically formatting the user specified input and any other required content into a service request, the service request compatible with the partner system and including the user specified data and the other required content and transmitting the service request to the partner system.

Online system for fulfilling loan applications from loan originators

A loan origination system interface module, methods and computer program products. One computer program product for processing loan application data including instructions to extract loan application data including retrieving identification information for a loan application associated the loan application data from a broker device and displaying on the broker device a list of loan applications available to process in an interface that is consistent with a loan origination computer program associated with the broker device. In response to command input from the broker device selecting a loan application from the list of loan applications, the computer program product includes instructions to reformat loan application data for the selected loan application to a format compatible with that required by a lender device and transmit reformatted loan application data to a lender device.

Loan origination system interface for online loan application processing

A loan origination system interface module for processing loan applications from a user through a lender web site is described. The loan originator accesses a lender web site to perform loan processing procedures. The module is included on the lender's web page through a standard object reference in HTML specification. The module contains information unique to that lender, and the lender's identification number as well as desired data format. Once the loan originator decides to transfer a loan application or supplemental data to the lender, the module examines the loan origination software pipeline and presents a selection of loan products to the user. Once the user makes a selection, the module extracts loan information stored in the loan origination software by conducting a search for each required data field, relates that data to the specific field in the vendor application format, and packages the data in a format acceptable to the lender. The module then finds the appropriate route to deliver the loan data to the lender, either directly through a standard Internet secure communication protocol, or indirectly through a separate server computer. The user can then continue the transaction on the lender's web site in an uninterrupted work flow. Loan processing occurs on the lender's web site, and the interaction of the web site and loan origination software is handled by the module.

A processing and submission client/server system transmits relevant loan information from a borrower to one or more lender computer systems through pre-defined file templates, which are utilized during loan origination. An automatic data flow process from the origination screen populates the relevant fields in any other related loan forms and word processing documents. Different forms are supported for different types of loans. The loan originator computer system includes a loan origination software program integrated with a web-browser based interface system. The interface system couples the loan origination software program to one or more partner computers. The partners comprise loan underwriters, lenders, and settlement service vendors. The interface system provides dynamic formatting and data transmission for different connections depending on the transaction type and target partner. In a web-based implementation, the interface system populates data directly from the loan origination software program to the appropriate web pages of the target partners.

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Fremont, CA, United States of America

Limin Hu