A radio may define a channel plan to include one or more channels, and each channel may include a plurality of overlapping filters. The method enables detection and measurement of a target mobile’s signal independently from a primary WLS located at the base station serving the target mobile, which enable location estimated in previous \u201cno location\u201d areas. If there are differences between the underwriting data and the delivery data for the loan, yield adjustments and fees may be determined for the loan based on the differences.