US 12,321,879 B2
Integrity-and-volume testing in an unsecured loan-lending system including methods thereof
Maja Todorovic, Irvine, CA (US); Eileen Kim, Laguna Niguel, CA (US); and Dominick Edilio Marchetti, Dove Canyon, CA (US)
Assigned to loanDepot.com, LLC, Irvine, CA (US)
Filed by loanDepot.COM, LLC, Foothill Ranch, CA (US)
Filed on May 27, 2020, as Appl. No. 16/885,159.
Claims priority of provisional application 62/853,640, filed on May 28, 2019.
Prior Publication US 2021/0012265 A1, Jan. 14, 2021
Int. Cl. G06Q 10/0639 (2023.01); G06F 21/62 (2013.01); G06Q 10/10 (2023.01); G06Q 40/03 (2023.01)
CPC G06Q 10/06395 (2013.01) [G06F 21/6245 (2013.01); G06Q 10/10 (2013.01); G06Q 40/03 (2023.01); G06F 2221/2143 (2013.01)] 8 Claims
OG exemplary drawing
 
1. An integrity-and-volume testing system for an unsecured loan-lending system, comprising:
a web application configured to run at least in part from a primary memory of a device and present a lender graphical user interface (“GUI”) within a web browser on a display of the device, the lender GUI configured to allow a representative of the lender to review borrower information in one or more digital mortgage applications of one or more borrowers;
a digital mortgage application stack configured to run at least in part from a primary memory of at least one server host, the digital mortgage application stack including a web server, a digital mortgage application server, and a database server, wherein:
sample loan-application input values for borrower-related information and loan-product information are prepared using a data-preparation module that includes a data-extraction module comprising a data-extraction library;
a quality-assurance framework is configured to generate sample loan applications from the sample loan-application input values and validate processed sample loan applications against processed-as-expected loan applications;
wherein the memory comprises a rule engine configured to:
implement one or more configurations with respect to one of a borrower interface and a lender interface;
implement first decisioning rules corresponding to one or more credit criteria of a loan applicant for an unsecured loan-lending system;
implement second decisioning rules corresponding to one or more loan pricing criteria for a secured loan-lending system; and
confirm that data gathered is not modified or lost during application processing, and that the gathered data is presented correctly in at least one of the decisioning rules engines;
a data-scrubbing module configured to scrub the borrower-related information of the sample loan-application input values and loan-product data extracted from the loan-product information;
wherein data scrubbing with the data-scrubbing module comprises modifying borrower-related information and generating scrubbed input data and one or more scrubbed files; and
wherein a development version of the unsecured loan-lending system is configured to process the sample loan applications into the processed sample loan applications for validation against the processed-as-expected loan applications.