Patents by Inventor Wesley Prescot Zauner

Wesley Prescot Zauner 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).

  • Optimizing loan opportunities in a loan origination computing environment
    Patent number: 12033210
    Abstract: In one or more embodiments, one or more loan origination systems can obtain, from a credit reporting system, credit report data for a mortgage loan applicant. The one or more loan origination systems can determine that the mortgage loan applicant does not qualify for a mortgage loan product based on the credit report data obtained from the credit reporting system. The one or more mortgage loan origination systems can obtain data representing a non-mortgage loan product for which the mortgage loan applicant qualifies based on the credit report data. The one or more loan origination systems can generate a modified version of the mortgage loan applicant's credit report data based on the non-mortgage loan product and determine that the mortgage loan applicant would qualify for the mortgage loan product based on the modified version of the credit report data.
    Type: Grant
    Filed: December 30, 2021
    Date of Patent: July 9, 2024
    Assignee: MeridianLink, Inc.
    Inventors: Wesley Prescot Zauner, Timothy Nguyen, Christopher Thomas Maloof
  • OPTIMIZING LOAN OPPORTUNITIES IN A LOAN ORIGINATION COMPUTING ENVIRONMENT
    Publication number: 20220292596
    Abstract: In one or more embodiments, one or more loan origination systems can obtain, from a credit reporting system, credit report data for a mortgage loan applicant. The one or more loan origination systems can determine that the mortgage loan applicant does not qualify for a mortgage loan product based on the credit report data obtained from the credit reporting system. The one or more mortgage loan origination systems can obtain data representing a non-mortgage loan product for which the mortgage loan applicant qualifies based on the credit report data. The one or more loan origination systems can generate a modified version of the mortgage loan applicant's credit report data based on the non-mortgage loan product and determine that the mortgage loan applicant would qualify for the mortgage loan product based on the modified version of the credit report data.
    Type: Application
    Filed: December 30, 2021
    Publication date: September 15, 2022
    Inventors: Wesley Prescot Zauner, Timothy Nguyen, Christopher Thomas Maloof
  • Optimizing loan opportunities in a loan origination computing environment
    Patent number: 11250505
    Abstract: In one or more embodiments, one or more loan origination systems can obtain, from a credit reporting system, credit report data for a mortgage loan applicant. The one or more loan origination systems can determine that the mortgage loan applicant does not qualify for a mortgage loan product based on the credit report data obtained from the credit reporting system. The one or more mortgage loan origination systems can obtain data representing a non-mortgage loan product for which the mortgage loan applicant qualifies based on the credit report data. The one or more loan origination systems can generate a modified version of the mortgage loan applicant's credit report data based on the non-mortgage loan product and determine that the mortgage loan applicant would qualify for the mortgage loan product based on the modified version of the credit report data.
    Type: Grant
    Filed: March 9, 2021
    Date of Patent: February 15, 2022
    Assignee: MERIDIANLINK, INC.
    Inventors: Wesley Prescot Zauner, Timothy Nguyen, Christopher Thomas Maloof