| CPC G06Q 10/06316 (2013.01) [G06F 16/254 (2019.01)] | 20 Claims |

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1. A system that implements a home lending data reservoir, the system comprising:
at least one server; and
at least one memory including a set of instructions that, when executed by the at least one server, causes the at least one server to function as:
a multi-topic low latency message broker that receives normalized data records from a plurality of systems of record (SORs);
a common semantic extract transform load (ETL) module that transforms data from the normalized data records, received from the multi-topic low latency message broker, and that makes transformed data suitable for use and reporting in near real-time, the common semantic ETL module sending the transformed data back to the multi-topic low latency message broker;
a first queue subscriber that communicates with a business system for machine learning and artificial intelligence models and one or more decision support systems, the first queue subscriber receiving the transformed data from the multi-topic low latency message broker, which is sent back to the multi-topic low latency message broker from the common semantic ETL module;
a second queue subscriber that communicates with an operational store wherein the operational store provides data within a predetermined period of time, the second queue subscriber receiving the transformed data from the multi-topic low latency message broker concurrently with the first queue subscriber; and
a third queue subscriber that communicates with a data lake through a data pipeline wherein the data lake provides data older than the predetermined period of time, the third queue subscriber receiving the transformed data from the multi-topic low latency message broker outside the predetermined period of time,
wherein the multi-topic low latency message broker provides content-based restrictions so that access to certain data requires at least one of permission or privilege, and
the multi-topic low latency message broker compares the normalized data records against data registration for validation, and only allows data to publish in response to data registration compliance being verified.
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