Federal Home Loan Mortgage Corporation (freddie Mac)

Stanislav Kornienko

Michael G Bradley

James Douglas Gordon

Gary M Skinner

Fabio Quijada

Angela Rae Macias Helgeson

Evelyn Suzette Johnson

Brendan McKinley

A system is disclosed that includes a database, a processor in communication with the database, and a memory device in communication with the processor. The memory device stores instructions that, when executed by the processor, perform operations including maintaining at the database a data structure comprising historical value data and historical condition data and receiving a query requesting a streamlined process, where the query comprises submitted value data. The operations further include, based on the query, instantiating a value model by obtaining the historical value data from the database and determining, based on the value data, a modeled value ratio; determining, based on the submitted value data, a submitted value ratio; making a first assessment whether the submitted value ratio is within a predetermined range of the modeled value ratio; making a second assessment whether the modeled value ratio exceeds a predetermined maximum; and, based on the first assessment and the second assessment, assigning a first flag to the query. The operations further include, further based on the query, instantiating a condition model by obtaining the historical condition data from the database and, based on the historical condition data, assigning a second flag to the query. The operations still further include, based on the first flag and the second flag, determining whether to assign the query to the streamlined process.

Systems, methods, and computer products for model-based query assignment

Systems and methods comprise maintaining a data structure comprising historical value and condition data, receiving a query with submitted value data requesting a streamlined process, instantiating a value model based on the query by obtaining the historical value data, determining a modeled value ratio based on the value data, determining a submitted value ratio based on the submitted value data, making a first assessment whether the submitted value ratio is within a predetermined range of the modeled value ratio, making a second assessment whether the modeled value ratio exceeds a predetermined maximum, assigning a first flag to the query based on the first assessment and the second assessment, obtaining historical condition data from the database, assigning a second flag to the query based on the historical condition data, and determining whether to assign the query to the streamlined process based on the first flag and the second flag.

In an illustrative embodiment, an automated system assesses risks associated with real estate entities. The system may include computing systems and devices for extracting data attributes for real estate entities from received source data, and the extracted data attributes may each be associated with a particular data level for a real estate entity. The system can link data attributes in adjacent data levels with unique linkage information and compute metrics for each of the real estate entities from the data attributes where each computed metric may be associated with one of the data levels. The system can assess an amount of risk associated with each of the real estate entities based on the computed metrics and present the assessed amount of risk for one or more real estate entities to a remote computing device of a user responsive to receiving a risk assessment request.

Systems and methods of assessing viability of real estate entities

A system is disclosed that includes a database and a processor in communication with the database. The processor is configured to maintain a data structure comprising historical value data and historical condition data and receive a query requesting a streamlined process. The processor is further configured to, based on the query, make a first assessment whether a submitted value ratio is within a predetermined range of a modeled value ratio; make a second assessment whether the modeled value ratio exceeds a predetermined maximum; and, based on the first assessment and the second assessment, assign a first flag to the query. The processor is further configured to based on the query, instantiate a condition model by obtaining the historical condition data; assign a second flag to the query; and based on the first flag and the second flag, determine whether to assign the query to the streamlined process.

Growing community of inventors

McLean, VA, United States of America

Stanislav Kornienko