Patent ID: 7647274

Claim:
A method of matching a loan consumer with Lenders via the Internet comprising: a) providing a computer system, wherein the system comprises a web server, a logic-engine, an internally specified filter, and a database; b) receiving application information inputted to the computer system by the loan consumer; c) storing the application information in the database; d) applying the internally specified filter to the application information stored in the database to determine if the loan consumer meets a set of internally specified loan criteria, wherein the internally specified loan criteria includes one or more of publicly available information, historical lender loan decisions, and market experience; e) submitting a subset of the application information to a credit bureau; f) receiving a credit report based on said submitting of the subset step; g) searching a Lender database after said applying the filter step to match the loan consumer application information and credit report to Lenders in the database; h) matching, by said computer system, the loan consumer application information to two or more of the Lenders in the database based on said searching step, wherein said matching determines a rank order of the two or more Lenders based on a consumer satisfaction index score; i) transmitting a query to a Lender of the two or more Lenders matched from said matching step; j) receiving a response from the Lender based on the query; k) repeating steps i and j, after said receiving of the response, so as to query any remaining Lenders matched from said matching step; l) presenting to the loan consumer only Lenders who responded with an approval from said receiving a response step; and m) storing a loan consumer decision based on said presenting step.