Patent Document ID: 20090248568
Application ID: 12058306
Patent Flag: 0

Claim One:
1. An account default prediction method comprising: obtaining a first consumer default risk factor associated with a first consumer; acquiring first mortgage data associated with a first consumer, wherein said first mortgage data is associated with a first lender; obtaining a second consumer default risk factor associated with a second consumer; acquiring second mortgage data associated with a second consumer, wherein said second mortgage data is associated with a first lender; calculating a first lender default risk factor based upon said first consumer default risk factor and said second consumer default risk factor; obtaining a third consumer default risk factor associated with a third consumer; acquiring third mortgage data associated with a third consumer, wherein said third mortgage data is associated with a second lender; obtaining a fourth consumer default risk factor associated with a fourth consumer; acquiring fourth mortgage data associated with a fourth consumer, wherein said fourth mortgage data is associated with said second lender; calculating a second lender default risk factor based upon said third consumer default risk factor and said fourth consumer default risk factor; and ranking said first lender and said second lender based on said first lender default risk factor and said second lender default risk factor to create a default risk factor ranking.