Abstract: Some implementations of the disclosure are directed to retrieving a property description describing a real property; generating a numeric representation of the property description; determining one or more keywords of a keyword list present or absent in the property description; generating one or more values corresponding to a presence or absence of the one or more keywords in the property description; combining the numeric representation of the property description with the one or more values to create a combination; and computing, based on the combination, a most likely classification of the property description from a plurality of classifications.

Abstract: Some implementations of the disclosure are directed to retrieving a structured description; using a model trained on a plurality of structured descriptions to generate a numeric representation of the retrieved description; searching the retrieved description for a plurality of keywords in a keyword list to generate one or more values corresponding to a presence of the plurality of searched keywords; combining the numeric representation of the structured description with the generated one or more values to create a combination; using the combination to compute a most likely classification of the description from a plurality of classifications; and returning the most likely classification.

Abstract: The disclosure describes systems and methods for measuring the multi-characteristic degree of comparability of a subject property and each of a set of potential comparable properties searched in one or more databases based on geographical proximity to the subject property and most recent sale date. A multi-characteristic dimension reduction method may be used that includes derived importance weights of property characteristics to create an objective measure of comparability distance, between a subject property and a compared property. The measure may be applied to calculate the comparability distances for all potential comparable properties. The distance measure may be applied to calculate the distances for all comparable properties selected on an appraisal. The distances of the appraisal selected comparable properties may be compared to the distances for all searched potential comparable properties to score or otherwise assess the appropriateness of an appraiser selected dataset.

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.

Abstract: Systems and methods are disclosed for evaluating a property valuation. In some implementations, market information and transactional information for a group of properties is accessed. The market information can include property-specific factors, locational factors, and market sales factors. The transactional information can include exogenous factors that can influence a property evaluator. Statistical information relating to the market values of the properties and the property valuations can be calculated. An estimate of the degree of certainty for a property valuation can be determined based at least partly on the calculated statistical information.