Patent ID: 7970699

Claim:
A computer-accessible medium having encoded thereon instructions to present a consumer with available loan products with associated pricing, wherein the instructions, when executed by a computing apparatus, cause the computing apparatus to: compare the consumer profile to at least one of existing lender guideline criteria and combined criteria of a plurality of lenders; reject lenders that will not offer loan products to the consumer; compare the consumer profile to available lender loan products; obtain a number of available loan products; at least one of calculating or determining base rate and yield spread rate for the available loan products wherein determining the base rate and yield spread rate further comprises creating a pricing matrix within a lender database and increase or decrease the rate pricing of a loan product based on predefined criteria to calculate or determine lender rates for the loan product; and, rank and present the loan products according to interest rate, monthly payment, or annual percentage rate (APR) or other output in an interactive interface.