Patent ID: 8321335

Claim:
In a computer-accessible medium comprising a processing unit and a memory element, and having encoded thereon instructions, a method to present a consumer with available loan products with associated pricing, wherein the instructions cause the processing unit to perform steps comprising: comparing the consumer profile to at least one of existing lender guideline criteria and combined criteria of a plurality of lenders; rejecting lenders that will not offer loan products to the consumer; comparing the consumer profile to available lender loan products; obtaining a number of available loan products; determining at least one of base rate and yield spread rate for the available loan products wherein determining the base rate or yield spread rate further comprises creating a pricing matrix within a lender database or databases and increasing or decreasing the rate pricing of a loan product based on predefined criteria to calculate lender rates for the loan product; and ranking the loan products according to interest rate, monthly payment, or annual percentage rate (APR); and presenting the ranked loan products via an interactive interface.