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.

Abstract: A user interface with visual presentation of data, real time risk adjustment, and underwriter approval processes is described. The system provides computer control for performing cashflow analysis, assessing risk, optimizing loan offers, generating dashboards with status information and tile displays of loan application data, and displaying of optimized loan offers. The dashboard includes a progress indicator of an electronic loan request to a complete loan application and finally to an approval or rejection. The dashboard also includes visual indications, including color and signals, directing the underwriter's attention to important or necessary action steps to reject or advance the loan. The dashboard interface can be customized. The dashboard interface includes a moveable, arrangeable, multi-sided color-coded tile system.

Abstract: A user interface with visual presentation of data, real time risk adjustment, and underwriter approval processes is described. The system provides computer control for performing cashflow analysis, assessing risk, optimizing loan offers, generating dashboards with status information and tile displays of loan application data, and displaying of optimized loan offers. The dashboard includes a progress indicator of an electronic loan request to a complete loan application and finally to an approval or rejection. The dashboard also includes visual indications, including color and signals, directing the underwriter's attention to important or necessary action steps to reject or advance the loan. The dashboard interface can be customized. The dashboard interface includes a moveable, arrangeable, multi-sided color-coded tile system.

Abstract: A system for automated processing of electronic loan applications including user interfaces, visual presentation of data, automated loan documentation processing, financial analysis, loan scoring, real time risk adjustment, and underwriter approval processes is described. The system provides computer control for receiving electronic loan requests, automatically analysis and data verification, scoring loans, assessing risk, optimizing loan offers, generating dashboards with status information and tile displays of loan application data, real time adjusting of risk, displaying of optimized loan offers and underwriting of loan applications. More specifically, the dashboard includes a progress indicator of the progress of an electronic loan request to a complete loan application and finally to an approval or rejection.

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.