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 retrieving third party data for loan applications, filtering third party data, performing cashflow 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: A user interface and system for using a non-payment dependent note retail investor security structure and payment dependent note structures to conduct investor-directed or affinity-based online marketplace lending are described. Some of the present inventions are directed to systems and methods for investor-directed online lending. Some inventions are directed to digital on-line peer-to-peer lending. Some inventions are related to affinity models in online lending and peer-to-peer lending. Some embodiments are related to auto investment and auction or funding period and bidding on all or portions of available notes. Some of the embodiments relate to using a Non-Payment Dependent Note (NPDN) securities structure in online lending. Some embodiments combine on-line affinity lending systems and methods with NPDN lending systems and methods. User interfaces are described for each.