Automated mining and processing of data associated with real estate

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.

What is claimed is: 
     
         1 . A computer-implemented process of identifying properties owned by an individual, the process comprising:
 (a) receiving input specifying a name and social security number of the individual;   (b) searching a plurality of data repositories for properties associated with the name and social security number, 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 that comprises property sales transaction data, whether the property is currently owned by the individual, said assessing comprising comparing the name of the individual to buyer and seller names included in the sales transaction data associated with the property to assess the individual's past and present ownership of the property;   wherein steps (a)-(c) are performed by a computerized analytics system that comprises one or more computing devices.   
     
     
         2 . The process of  claim 1 , wherein the aggregated loan data comprises data supplied to the analytics system by at least some of said lenders. 
     
     
         3 . The process of  claim 1 , wherein the data repository of aggregated loan data is a loan registry with which a plurality of lenders register loans. 
     
     
         4 . The process of  claim 1 , further comprising, for at least a first property identified in step (b), executing a mailing address search for other properties whose mailing address matches an address of the first property, to thereby search for other properties potentially owned by the individual. 
     
     
         5 . The process of  claim 4 , wherein executing the mailing address search comprises searching aggregated tax assessor data obtained from tax assessors in multiple jurisdictions. 
     
     
         6 . The process of  claim 4 , further comprising, when an additional property is identified via the mailing address search, assessing, based at least partly on the public recorder data, whether the additional property is currently owned by the individual. 
     
     
         7 . The process of  claim 1 , wherein step (c) comprises using a name matching algorithm that accounts for name variations to compare the name of the individual to the buyer and seller names included in the sales transaction data. 
     
     
         8 . The process of  claim 1 , wherein step (c) further comprises comparing at least one AKA (also known as) name associated with the individual to the buyer and seller names included in the sales transaction data. 
     
     
         9 . An analytics system, comprising:
 a data repository of credit header data of a plurality of individuals, said credit header data consisting of non-financial data maintained by one or more credit bureaus;   a data repository of aggregated loan data, said aggregated loan data representing mortgage loans granted by multiple lenders;   a data repository of aggregated public recorder data, said aggregated public recorder data including property-related data maintained by each of a plurality of public recorders of each of a plurality of jurisdictions; and   a computing system programmed to search for properties owned by an individual by searching at least the data repositories of credit header data and aggregated loan data for properties associated with a name and social security number of the individual, and by using the data repository of aggregated public recorder data to assess the individual's ownership of said properties, said computing system comprising one or more computing devices, wherein the computing system is programmed to use the data repository of aggregated public recorder data to assess the individual's ownership of said properties by a process that comprises retrieving, from the data repository of aggregated public recorder data, sales transaction data associated with a property, and comparing a name of the individual to buyer and seller names included in the sales transaction data.   
     
     
         10 . The analytics system of  claim 9 , wherein the data repository of aggregated loan data comprises loan data supplied to the analytics system at least some of the lenders. 
     
     
         11 . The analytics system of  claim 9 , further comprising a data repository of public assessor data aggregated across multiple tax assessors, wherein the computing system is additionally programmed to use mailing addresses stored in the data repository of public assessor data to search for additional properties owned by the individual. 
     
     
         12 . The analytics system of  claim 9 , wherein the computing system is programmed to use a name matching algorithm that accounts for name variations to compare the individual's name to the buyer and seller names. 
     
     
         13 . The analytics system of  claim 9 , wherein the computing system is additionally programmed to compare at least one AKA (also known as) name associated with the individual to the buyer and seller names included in the sales transaction data. 
     
     
         14 . A computer-implemented process of generating a profile of a securitized loan, the method comprising:
 (a) receiving information specifying a loan amount, a loan date, and a property zip code associated with the securitized loan;   (b) conducting a search of at least aggregated public recorder data and/or aggregated loan data for a mortgage transaction that matches the loan amount, loan date, and property zip code;   (c) in response to identifying a matching mortgage transaction in step (b), determining a borrower name and property address associated with the securitized loan from recorded information regarding the matching mortgage transaction;   (d) looking up a mailing address associated with said property address; and   (e) using said mailing address to search for additional properties owned by the borrower;   wherein steps (a)-(e) are performed by a computerized analytics system that comprises one or more computing devices.   
     
     
         15 . The process of  claim 14 , wherein step (e) comprises searching aggregated tax assessor data for an additional property whose mailing address matches the mailing address identified in step (d), said aggregated tax assessor data comprising data maintained by respective tax assessors in each of a plurality of jurisdictions. 
     
     
         16 . The process of  claim 14 , wherein step (e) comprises, when the mailing address looked up in step (d) is different from the property address associated with the securitized loan, determining, based on the public recorder data, whether the mailing address looked up in step (d) is that of an additional property owned by said borrower. 
     
     
         17 . The process of  claim 14 , further comprising generating a concurrent ownership report that identifies a plurality of properties identified via steps (a)-(e) as owned by said borrower.