Patent Document ID: 7805345
Application ID: 11212289
Patent Status: 1

Claim One:
1. A computer-implemented method for analyzing lending data, comprising: processing, using one or more processors, loan applicant data into a plurality of applicant groups based on one or more demographic factors; selecting one or more control groups from the plurality of applicant groups, each control group having corresponding lending-related data; identifying a protected class within the plurality of applicant groups, the protected class having corresponding lending-related data; calculating a plurality of disparity indices for the protected class, wherein calculating includes comparing the lending-related data for the protected class with lending-related data for one or more control groups; calculating one or more reference indices; calculating one or more singular indicators for the protected class, wherein calculating includes converting the plurality of disparity indices and the one or more reference indices into coefficient values, and comparing the coefficient values using one or more distance formulas; and calculating a global indicator using a plurality of singular indicators, wherein a global indicator represents a relative comparison amongst groups of singular indicators.