Systems and methods for asset valuation

Abstract

Systems and methods for asset valuation, whole loan processing and inventory management is described. The systems and methods may include modules. An asset valuation tool may use multiple data sources for producing current and predicted future values and historical and intermediate data points on a requested timeline. A loan information pricing tool may perform unlimited volumes of loan program eligibility and multi-variable pricings on a user desktop. A workout activity tracking tool may capture, monitor, measure and report on a loan workout process including direct hosting and integration of the asset valuation tool and the loan information pricing tool. The present invention may offer diverse and competitive modular components as well as an integrated and innovative platform that does not exist in the market.

What is claimed is: 
     
         1 . A system for asset valuation, the system comprising:
 one or more processors;   at least one memory operatively coupled to the one or more processors, the at least one memory comprising computer program instructions executable by the one or more processors for performing the steps comprising:   receiving a query from a user regarding an asset for valuation;   accessing data related to the asset from a plurality of data sources, wherein the data comprises at least a first index value for the asset, a second index value for the asset, and a first valuation value, wherein the first index value, the second index value and the first valuation value are actual values and not estimates;   calculating an index of monthly value percentage changes from the first index value for the asset to the second index value for the asset;   applying the index of monthly value percentage changes to the first valuation value to create a pattern of monthly valuation values;   projecting at least one future index value by statistical trend analysis of the index of monthly value percentage changes, underlying values of the index of monthly value percentage changes, or other market indicators;   calculating at least one future valuation value using the at least one future index value, wherein the at least one future index value is related to the first index value or the second index value by application of one or more statistical methods; and   presenting the at least one future valuation value for the asset to the user responsive to the query.   
     
     
         2 . The system of  claim 1 , further comprising calculating a confidence score for the at least one future valuation value. 
     
     
         3 . The system of  claim 1 , further comprising producing the at least one future valuation value and historical and intermediate data points on a requested timeline. 
     
     
         4 . The system of  claim 1 , further comprising calculating a current valuation value using the index of monthly value percentage changes. 
     
     
         5 . The system of  claim 1 , further comprising calculating a valuation value at any point in time forward or backward using the index of monthly value percentage changes. 
     
     
         6 . The system of  claim 1 , wherein the calculating an index of monthly value percentage changes comprises generating simultaneous indexes of monthly value percentage changes for one or more market segment. 
     
     
         7 . The system of  claim 6 , wherein the simultaneous indexes are dissected by one or more attributes of the asset. 
     
     
         8 . The system of  claim 1 , wherein the calculating an index of monthly value percentage changes comprises ranking the first index value as a percentile of asset valuations in a market comprising the asset. 
     
     
         9 . The system of  claim 8 , further comprising tracking assets at the percentile of asset valuations over time. 
     
     
         10 . The system of  claim 1 , further comprising predicting accelerating or decelerating rates of appreciation or depreciation. 
     
     
         11 . The system of  claim 1 , wherein the one or more statistical methods for calculating the at least one future valuation value is a sliding weighted average. 
     
     
         12 . The system of  claim 1 , wherein the second index value is futures data, and wherein the at least one future index value is related mathematically to a current index value using statistical methods giving more weight to a future contract the closer it is in time. 
     
     
         13 . The system of  claim 1 , wherein the second index value does not have futures data, and wherein the at least one future index value is related mathematically to a current index value using a moving-average trend equation. 
     
     
         14 . The system of  claim 1 , further comprising updating the second index value based on receipt of actual appraisals. 
     
     
         15 . The system of  claim 1 , wherein the data sources are public data sources scrubbed for inconsistencies and data errors. 
     
     
         16 . The system of  claim 1 , further comprising applying trend and growth statistical analysis. 
     
     
         17 . A system for loan information pricing, the system comprising:
 one or more processors;   at least one memory operatively coupled to the one or more processors, the at least one memory comprising computer program instructions executable by the one or more processors for performing the steps comprising:   interfacing with one or more third party servers;   interfacing with a plurality of databases in communication with the one or more third party servers;   interfacing with one or more client devices;   formatting a pool of loans;   providing a plurality of parameters for loan pricing to the one or more client devices;   receiving a selection from the one or more client devices of one or more of the plurality of parameters;   processing the pool of loans based upon the one more of the plurality of parameters; and   providing loan pricing for the pool of loans to the one or more client devices.   
     
     
         18 . The system of  claim 17 , further comprising load balancing between the processor and the one or more client devices. 
     
     
         19 . The system of  claim 17 , further comprising grouping individual loans within the pool of loans during processing based upon similar characteristics of the individual loans. 
     
     
         20 . The system of  claim 17 , further comprising prioritizing co-pending tasks from multiple client devices.