US Patent:
20170011457, Jan 12, 2017
Inventors:
- Washington DC, US
Xiaoming Zhou - Washington DC, US
Michael Kane - Washington DC, US
Ming H. Chow - Washington DC, US
Xiaoqiang Hu - Washington DC, US
Andrew P. Varrieur - Washington DC, US
Assignee:
Federal Housing Finance Agency - Washington DC
International Classification:
G06Q 40/02
G06F 17/30
G06Q 50/16
Abstract:
A data analytics platform system includes a first database including economic forecast, house pricing, unemployment, and interest rate data object structures. A second database includes data object structures associated with attributes of mortgage loans and borrowers. A first module performs projections for predicting a monthly status on performing and modified performing mortgage loans. A second module performs projections of lifetime outcomes for delinquent mortgage loans. A third module performs calculations of mortgage loan level credit losses and timing parameters of loan loss recognition attributes. A fourth module performs calculations of forecasted mortgage loan performance attributes, mortgage loan contract terms, and interest rates to generate mortgage loan level cash flow data analytics. A fifth module summarizes projections of data performance analytics over a forecasted period of time, and creates an electronic summary report of the projections. An electric signal generator, a signal converter, and a display device output the electronic report.
