Abstract: The present invention provides systems and methods for application processing. The present invention receives a request to process an application. In response to the request, the system validates the application data and requests a reporting bureau to provide report data associated with the applicant associated in the application data. After receiving reporting data from the reporting bureau, the system submits the application data and reporting data to a decision engine. The system is capable of interfacing with one or more of a plurality of decision engines. The system receives a preliminary decision from the decision engine. If the preliminary decision indicates approval, the system issues approval documents. If the preliminary decision indicates rejection, the system issues rejection documents. If the decision engine is not able to issue an approval or a rejection, the system directs the application to a pending application queue.