Abstract: A weight is generated for one or more loan tier metrics for each of a plurality of loan tiers, each loan tier associated with a respective loan tier qualifying score. A plurality of transaction records in the depository account of the user are received, the received transaction records including a chronological listing of debits and credits. A plurality of loan tier metrics are determined based on the chronological listing of debits and credits. A respective metric value is generated for one or more of the loan tier metrics, each respective metric value based on the transaction records in the depository account of the user.

Abstract: A weight is generated for one or more loan tier metrics for each of a plurality of loan tiers, each loan tier associated with a respective loan tier qualifying score. A plurality of transaction records in the depository account of the user are received, the received transaction records including a chronological listing of debits and credits. A plurality of loan tier metrics are determined based on the chronological listing of debits and credits. A respective metric value is generated for one or more of the loan tier metrics, each respective metric value based on the transaction records in the depository account of the user.

Abstract: Methods and systems describe assigning a qualifying loan tier to a user based on future loan servicing capability. The system requests and receives permission to access a depository account for a user of a client device, then receives transaction records in the depository account. The system then generates or receives metrics and assigned weights for each of the metrics, as well as associated loan tiers with qualifying scores. The system determines a value for each of the metrics in the loan tiers based on the transaction records. The system computes a user score for each of the tiers based on whether the values of each metric meet or exceed the unique threshold for that tier. Finally, the system assigns the user to a highest qualifying loan tier for which the user score meets or exceeds the qualifying score.