Abstract: Disclosed is an approach for dynamic loan origination that separates objectively easy-to-approve loan applicants suitable for automated, streamlined, and fast-tracked loan origination for real-time loan approval (which comprise the majority of loan applications) from applicants that may be declined or may require special consideration for approval or decline (for which traditional non-real-time loan origination processes are better suited). In operation, the separation of the objectively easy approvals from the possible disapproval may be performed by a third-party non-lending pre-origination provider that is distinct and separate from a lender.