SYSTEM AND METHOD FOR GENERATING A NATURAL HAZARD CREDIT MODEL
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United States of America Patent
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Jan 29, 2015
app pub date -
Jul 25, 2014
filing date -
Jul 26, 2013
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Abstract
Embodiments include systems and methods of detecting and assessing multiple types of risks related to mortgage lending. One embodiment includes a system and method of detecting and assessing risks including early payment default risks, and natural hazards risks on loan applications. One embodiment includes a computerized method that includes creating a combined risk detection model based on a default and natural hazards risk detection models and using the combined risk detection model to evaluate loan application data and generate a combined risk score that takes into account the different types of risks individually and collectively detected by the plurality of risk detection models.
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