Abstract: A computer implemented data processing system comprises a pricing engine and user interface program logic. The pricing engine is configured to calculate a price for an individual mortgage loan for a sale of the individual mortgage loan from a loan originator to a secondary mortgage market purchaser. The price is calculated prior to closing of the mortgage loan based on mortgage loan application data for a borrower associated with the mortgage loan. The user interface logic is configured to generate one or more screen displays configured to present the price to the loan originator prior to closing of the loan. The one or more screen displays are also configured to receive a commitment from the loan originator for the sale of the individual mortgage loan to the secondary mortgage market purchaser.

Abstract: A computer implemented data processing system comprises a pricing engine and user interface program logic. The pricing engine is configured to calculate a price for an individual mortgage loan for a sale of the individual mortgage loan from a loan originator to a secondary mortgage market purchaser. The price is calculated prior to closing of the mortgage loan based on mortgage loan application data for a borrower associated with the mortgage loan. The user interface logic is configured to generate one or more screen displays configured to present the price to the loan originator prior to closing of the loan. The one or more screen displays are also configured to receive a commitment from the loan originator for the sale of the individual mortgage loan to the secondary mortgage market purchaser.

Abstract: Systems and methods for optimizing servicing fees for a set of loans are disclosed. A system for optimizing servicing fees for a set of loans may include a processing unit and a storage device coupled to the processing unit having stored therein information for configuring the processing unit to obtain a minimum servicing fee and a maximum servicing fee, identify net benefits of increasing servicing fees for the loans in the set of loans, and iteratively adjust the servicing fee until the optimal servicing fee is attained.

Abstract: Computerized systems and methods facilitate the flow of capital through the housing finance industry. A system for determining an interest rate quote and points for a mortgage loan that are specific to a borrower includes input means for obtaining borrower and mortgage loan information, means for retrieving underwriting characteristics and means for calculating the interest rate quote and points based on the borrower and mortgage loan information and based on the underwriting characteristics. The means for calculating includes means for retrieving a required yield which reflects market conditions in a secondary mortgage market including being indicative of a price that can be obtained for the mortgage loan in the secondary mortgage market.

Abstract: Apparatus for applying pull tabs to container panels wherein tabs are singly fed from a stack onto a heated first anvil, each tab is then clamped to its respective anvil and an end portion thereof bent at right angles to the remainder of the tab. The bent tab is then transferred by way of the anvil into opposed relation to a bonding anvil which lifts a pre-heated end unit into contact with a pre-heated tab and applied pressure effects bonding of the tab to the end unit.