Abstract: In accordance with one embodiment, a method includes receiving a loan application from a debtor with unsecured debt; receiving financial transactions data associated with the debtor; parsing the financial transactions data into predetermined data features; verifying the income of the debtor on the loan application with the parsed financial transactions data; ranking the parsed financial transactions data based on the predetermined data features; and analyzing the parsed financial transactions data to determine a first probability of default by the debtor with a loan having a lower interest rate than an interest rate of the unsecured debt. The loan application includes income, payments/expenses, assets, and liabilities/debt to determine a stated net income for verification with a calculated net income. The income verification provides the calculated net income for comparison with the stated net income and a measure of reliability of the input data in the loan application.