Abstract: One embodiment of the invention provides a machine-readable medium embodying a method of providing a list of individuals who are most likely to move, payoff or refinance their mortgages. The method includes receiving a name and an address from a customer database, retrieving demographic data corresponding to the name and the address from a demographic information database, and extrapolating property data corresponding to the name and the address from a property records database. The method also includes creating a plurality of records, each record including the name, the address, the demographic data and the property data, calculating a propensity score for each of the plurality of records, determining rules that relate to the propensity scores and applying the rules to each of the plurality of records to form a target list.

Abstract: One embodiment of the invention provides a machine-readable medium embodying a method of providing a list of individuals who are most likely to move, payoff or refinance their mortages. The method includes receiving demographic data, customer data and property data from a database, and creating a plurality of records, each record pertaining to an individual and including the demographic data, the customer data and the property data. The method also includes calculating a propensity score for each record, determining rules that relate to the propensity scores, and applying the rules to each record to form a target list.