Patents by Inventor Matthew J. Klena

Matthew J. Klena has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • System and methods for determining the likelihood that a loan closes
    Patent number: 8548905
    Abstract: Systems and methods are provided for determining an indication that an application for a mortgage loan to secure a property may result in closing of the loan transaction. In one embodiment, a method includes receiving application information, such that the application information includes at least borrower information, property information, and a first interest rate; receiving home value information, such that the home value information represents an estimated value of the property; receiving a second interest rate; and determining the indication based on the received application information, received home value information, and received second interest rate, such that the indication represents a likelihood that the mortgage loan may result in closing.
    Type: Grant
    Filed: September 14, 2012
    Date of Patent: October 1, 2013
    Assignee: Freddie Mac
    Inventors: Michael G. Bradley, J. Douglas Gordon, Matthew J. Klena, Pamela W. Sims
  • Systems and methods for determining the likelihood that a loan closes
    Patent number: 8280806
    Abstract: Systems and methods are provided for determining an indication that an application for a mortgage loan to secure a property may result in closing of the loan transaction. In one embodiment, a method includes receiving application information, such that the application information includes at least borrower information, property information, and a first interest rate; receiving home value information, such that the home value information represents an estimated value of the property; receiving a second interest rate; and determining the indication based on the received application information, received home value information, and received second interest rate, such that the indication represents a likelihood that the mortgage loan may result in closing.
    Type: Grant
    Filed: September 13, 2011
    Date of Patent: October 2, 2012
    Assignee: Freddie Mac
    Inventors: Michael G. Bradley, J. Douglas Gordon, Matthew J. Klena, Pamela W. Sims
  • Systems and methods for determining the likelihood that a loan closes
    Patent number: 8239318
    Abstract: Systems and methods are provided for determining an indication that an application for a mortgage loan to secure a property may result in closing of the loan transaction. In one embodiment, a method includes receiving application information, such that the application information includes at least borrower information, property information, and a first interest rate; receiving home value information, such that the home value information represents an estimated value of the property; receiving a second interest rate; and determining the indication based on the received application information, received home value information, and received second interest rate, such that the indication represents a likelihood that the mortgage loan may result in closing.
    Type: Grant
    Filed: September 13, 2011
    Date of Patent: August 7, 2012
    Assignee: Freddie Mac
    Inventors: Michael G. Bradley, J. Douglas Gordon, Matthew J. Klena, Pamela W. Sims
  • Systems and methods for determining the likelihood that a loan closes
    Patent number: 8108302
    Abstract: Systems and methods are provided for determining an indication that an application for a mortgage loan to secure a property may result in closing of the loan transaction. In one embodiment, a method includes receiving application information, such that the application information includes at least borrower information, property information, and a first interest rate; receiving home value information, such that the home value information represents an estimated value of the property; receiving a second interest rate; and determining the indication based on the received application information, received home value information, and received second interest rate, such that the indication represents a likelihood that the mortgage loan may result in closing.
    Type: Grant
    Filed: August 13, 2009
    Date of Patent: January 31, 2012
    Assignee: Federal Home Loan Mortgage Corporation (Freddie Mac)
    Inventors: Michael G. Bradley, J. Douglas Gordon, Matthew J. Klena, Pamela W. Sims
  • Systems and methods for determining the likelihood that a loan closes
    Patent number: 7593890
    Abstract: Systems and methods are provided for determining an indication that an application for a mortgage loan to secure a property may result in closing of the loan transaction. In one embodiment, a method includes receiving application information, such that the application information includes at least borrower information, property information, and a first interest rate; receiving home value information, such that the home value information represents an estimated value of the property; receiving a second interest rate; and determining the indication based on the received application information, received home value information, and received second interest rate, such that the indication represents a likelihood that the mortgage loan may result in closing.
    Type: Grant
    Filed: November 4, 2003
    Date of Patent: September 22, 2009
    Assignee: Freddie Mac
    Inventors: Michael G. Bradley, J. Douglas Gordon, Matthew J. Klena, Pamela W. Sims