Abstract: Disclosed herein is a method of lead routing with a lead-management system including, in some embodiments, sending borrower information for a potential borrower from a database server of a lending platform to a database server of a brokering platform to supply buyer information for a potential buyer of real estate. The method also includes, in some embodiments, capturing real estate-buying criteria of the potential buyer. The method also includes, in some embodiments, matching the potential buyer with up to five licensed real-estate professionals associated with the brokering platform using at least in part some of the real estate-buying criteria. The method also includes, in some embodiments, notifying each real-estate professional of the up-to-five licensed real-estate professionals of the potential buyer by way of at least a text message sent by a web server of the brokering platform through an SMS gateway.

Abstract: Disclosed herein is a method of lead routing with a lead-management system including, in some embodiments, sending borrower information for a potential borrower from a database server of a lending platform to a database server of a brokering platform to supply buyer information for a potential buyer of real estate. The method also includes, in some embodiments, capturing real estate-buying criteria of the potential buyer. The method also includes, in some embodiments, matching the potential buyer with up to five licensed real-estate professionals associated with the brokering platform using at least in part some of the real estate-buying criteria. The method also includes, in some embodiments, notifying each real-estate professional of the up-to-five licensed real-estate professionals of the potential buyer by way of at least a text message sent by a web server of the brokering platform through an SMS gateway.

Abstract: Disclosed herein is a digital lending platform with integrated product, pricing, and eligibility. The digital lending platform includes, in some embodiments, one or more server hosts supporting an application stack of the digital lending platform. The application stack includes a loan-product database, a pricing algorithm, and an eligibility rules engine. The loan-product database includes each loan product of a number of loan products offered through the digital lending platform. The pricing algorithm is configured to determine a price for each loan product of the number of loan products. The eligibility rules engine includes eligibility rules for each loan product of the number of loan products. Also disclosed herein is a computer-implemented method of the digital lending platform with the integrated product, pricing, and eligibility.

Abstract: Disclosed herein is a personal loan-lending system including, in some embodiments, a personal loan-originating system configured for originating personal loans, a personal loan-servicing system configured for servicing the personal loans, and third-party integration supporting the originating or the servicing of the personal loans. The third-party integration includes one or more application programming interfaces configured for transferring loan-related information between the personal loan-lending system and third parties such as credit bureaus, employment verification providers, or the like. The personal loan-lending system includes one or more server hosts supporting a personal loan-originating application stack and a personal loan-servicing application stack. Also disclosed herein are methods of the personal loan-lending system.

Abstract: Disclosed herein is a digital lending platform with integrated product, pricing, and eligibility. The digital lending platform includes, in some embodiments, one or more server hosts supporting an application stack of the digital lending platform. The application stack includes a loan-product database, a pricing algorithm, and an eligibility rules engine. The loan-product database includes each loan product of a number of loan products offered through the digital lending platform. The pricing algorithm is configured to determine a price for each loan product of the number of loan products. The eligibility rules engine includes eligibility rules for each loan product of the number of loan products. Also disclosed herein is a computer-implemented method of the digital lending platform with the integrated product, pricing, and eligibility.

Abstract: Disclosed herein is an integrated lending-and-brokering environment including, in some embodiments, a lending platform, a brokering platform, third-party integration, and an entity-relationship management layer configured for information sharing among the lending platform, the brokering platform, and one or more third parties. The lending platform is configured to facilitate processing of lending-related information among lending personnel. The brokering platform is configured to facilitate processing of brokering-related information among brokering personnel. The third-party integration includes one or more interfaces with the lending-and-brokering environment, which allows the one or more third-parties to at least contribute additional information for the processing of the lending-and-brokering-related information.

Abstract: Disclosed herein is a lead management system including, in some embodiments, a lead intake engine, a phone system, and a loan origination system. The lead intake engine includes a lead processing module configured for processing sales leads, which includes enriching original data of at least some incoming sales leads with complementary data, as well as algorithm-based scoring of the sales leads. The phone system includes a dialer configured to dial phone numbers for the sales leads from one or more dialer tables of the phone system sorted in accordance with the scores of the sales leads by the lead intake engine. The loan origination system is configured to create a sales-purposed record in a sales database for each sales lead up to at least a time of the dialer dialing a phone number associated with the record. The lead management system is optimized for speed-to-contact with telecommunications regulatory compliance.

Abstract: Disclosed is a digital mortgage application system including, in some embodiments, a first web application, a second web application, and a digital mortgage application stack including a web server, a digital mortgage application server, and a database server. The first web application is configured to present a borrower graphical user interface (“GUI”) within a web browser on a first client host. The borrower GUI includes a digital mortgage application divided into a number of borrower-fillable sections configured to hold borrower-related information. Some of the sections are configured for optionally automatically filling in one or more portions of the borrower-related information. The second web application is configured to present a lender GUI within a web browser on a second client host. The lender GUI is configured to allow a representative of the lender to review borrower information in one or more digital mortgage applications of one or more borrowers.

Abstract: Disclosed is a digital mortgage application system including, in some embodiments, a first web application, a second web application, and a digital mortgage application stack including a web server, a digital mortgage application server, and a database server. The first web application is configured to present a borrower graphical user interface (“GUI”) within a web browser on a first client host. The borrower GUI includes a digital mortgage application divided into a number of borrower-fillable sections configured to hold borrower-related information. Some of the sections are configured for optionally automatically filling in one or more portions of the borrower-related information. The second web application is configured to present a lender GUI within a web browser on a second client host. The lender GUI is configured to allow a representative of the lender to review borrower information in one or more digital mortgage applications of one or more borrowers.

Abstract: Disclosed herein is an integrity-and-volume testing system for an unsecured loan-lending system. The integrity-and-volume testing system includes, in some embodiments, a data-preparation module, a quality-assurance framework, and a development version of the unsecured loan-lending system. The data-preparation module is configured to prepare sample loan-application input values for borrower-related information and loan-product information. The quality-assurance framework is configured to generate sample loan applications from the sample loan-application input values, as well as validate processed sample loan applications against processed-as-expected loan applications. The development version of the unsecured loan-lending system is configured to process the sample loan applications into the processed sample loan applications for validation against the processed-as-expected loan applications. Also disclosed herein is a method of the integrity-and-volume testing system for the unsecured loan-lending system.

Abstract: Disclosed herein is a digital lending platform with integrated product, pricing, and eligibility. The digital lending platform includes, in some embodiments, one or more server hosts supporting an application stack of the digital lending platform. The application stack includes a loan-product database, a pricing algorithm, and an eligibility rules engine. The loan-product database includes each loan product of a number of loan products offered through the digital lending platform. The pricing algorithm is configured to determine a price for each loan product of the number of loan products. The eligibility rules engine includes eligibility rules for each loan product of the number of loan products. Also disclosed herein is a computer-implemented method of the digital lending platform with the integrated product, pricing, and eligibility.

Abstract: Disclosed herein is an integrated lending-and-brokering environment including, in some embodiments, a lending platform, a brokering platform, third-party integration, and an entity-relationship management layer configured for information sharing among the lending platform, the brokering platform, and one or more third parties. The lending platform is configured to facilitate processing of lending-related information among lending personnel. The brokering platform is configured to facilitate processing of brokering-related information among brokering personnel. The third-party integration includes one or more interfaces with the lending-and-brokering environment, which allows the one or more third-parties to at least contribute additional information for the processing of the lending-and-brokering-related information.

Abstract: Disclosed herein is a personal loan-lending system including, in some embodiments, a personal loan-originating system configured for originating personal loans, a personal loan-servicing system configured for servicing the personal loans, and third-party integration supporting the originating or the servicing of the personal loans. The third-party integration includes one or more application programming interfaces configured for transferring loan-related information between the personal loan-lending system and third parties such as credit bureaus, employment verification providers, or the like. The personal loan-lending system includes one or more server hosts supporting a personal loan-originating application stack and a personal loan-servicing application stack. Also disclosed herein are methods of the personal loan-lending system.

Abstract: Disclosed is a digital mortgage application system including, in some embodiments, a first web application, a second web application, and a digital mortgage application stack including a web server, a digital mortgage application server, and a database server. The first web application is configured to present a borrower graphical user interface (“GUI”) within a web browser on a first client host. The borrower GUI includes a digital mortgage application divided into a number of borrower-fillable sections configured to hold borrower-related information. Some of the sections are configured for optionally automatically filling in one or more portions of the borrower-related information. The second web application is configured to present a lender GUI within a web browser on a second client host. The lender GUI is configured to allow a representative of the lender to review borrower information in one or more digital mortgage applications of one or more borrowers.