Abstract: A self-operated loan originator (SOLO) apparatus is configured to generate at least one stacked loan application object. The apparatus includes at least one applicant interface which includes hardware and software for receiving applicant data to create at least one applicant data object. A SOLO server receives the at least one applicant data object and transforms the data from the applicant data object to create at least one lender vendor request object. The lender vendor request object is relayed to one of a plurality of lender vendor servers. The SOLO server also stores at least one data object which contains data specifying at least one stacked application order.