Abstract: A computer-implemented mortgage loan processing system comprises a host in a merchant financing processor and work flow engine in an escrow. The host processes card sales transaction log data for the entities and extracts information from viewpoint of predetermined categories with a data mining algorithm. The workflow engine processes information for clearing & settling payments under predetermined escrow rules, which are provided by the host that modifies the escrow rules based on the categories processed from the card transaction. The merchant financing processor provides a predetermined portion of the loan for the merchant, which acts as a mortgage to reinforce the merchant's credit. The remaining portion of the loan is provided by co-lenders. A mortgage loan method uses the system such that the merchant finance processor provides fund to merchants with future card receivables from merchants as collateral.