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INTELLIGENT LOAN QUALIFICATION BASED ON FUTURE SERVICING CAPABILITY
INTELLIGENT LOAN QUALIFICATION BASED ON FUTURE SERVICING CAPABILITY
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机译:基于未来维修能力的智能贷款资格
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摘要
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.
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