Optimizing response creation and delivery for lending queries

A method of responding to search requests using pre-analyzed data, the method comprising:

• identifying, by a processor, a set of entries of a data set comprising a plurality of entries, the set of entries being ordered between a minimum entry and a maximum entry;
• using at least one analytical model to generate, by the processor, a score for each of the set of entries between the minimum entry and the maximum entry while ignoring entries outside of the plurality of entries between the minimum entry and the maximum entry, wherein the at least one analytical model is configured to evaluate at least one factor contributing to a recurring payment value;
• storing, by the processor, each score in a memory in communication with the processor;
• receiving, at the processor, a request from a user interface to perform a search of the data set, the request defining a minimum value and a maximum value for a recurring payment;
• identifying, by the processor, at least a subset of the set of entries having scores between the minimum value and the maximum value;
• returning, by the processor, the information describing at least the subset of the set of entries as at least a portion of the response to the request, the information including respective recurring payment values for each entry in the at least the subset of the set of entries;
• and,
• causing, by the processor, the information describing the at least the subset of the set of entries to be displayed in the user interface.

A system for searching data stored in computer-readable media, comprising:

• a processor;
• a user interface component in communication with the processor and configured to receive a request to perform a search of a data set comprising a plurality of entries, the request defining a minimum value and a maximum value for a recurring payment;
• and
• a non-transitory memory in communication with the processor comprising instructions that, when executed by the processor, cause the processor to perform processing comprising:
• performing a plurality of binary searches of the data set to identify a minimum entry and a maximum entry, each binary search comprising selecting a single entry and using at least one analytical model to generate a score for the single entry, wherein the score of the minimum entry corresponds with the minimum value and the score of the maximum entry corresponds with the maximum value, and wherein the at least one analytical model is configured to evaluate at least one factor contributing to a recurring payment value;
• identifying a set of entries between the minimum entry and the maximum entry;
• using the at least one analytical model to generate a score for each of the set of entries between the minimum entry and the maximum entry while ignoring entries outside of the set of entries between the minimum entry and the maximum entry;
• identifying at least one of the minimum entry, the maximum entry, and at least one of the scored set of entries between the minimum entry and the maximum entry as a responsive entry based on the respective scores of each of the at least one of the minimum entry, the maximum entry, and at least one of the scored set of entries between the minimum entry and the maximum entry;
• returning information describing the at least one responsive entry as a response to the request, the information including a recurring payment value for the at least one responsive entry;
• and
• displaying, by the interface component, the information describing the at least one responsive entry.