Customized lending product system and method

A financial institution computer system associated with a financial institution, the financial institution computer system comprising:

• processing circuitry;
• and
• machine readable storage media having instructions stored therein that, when executed by the processing circuitry, cause the processing circuitry to:
• provide, to a graphical user interface of a client device, an electronic loan application form, the electronic loan application form comprising user personal, financial and asset input data of a user;
• receive, from the client device, loan application data, the loan application data comprising user inputs provided via the electronic loan application form;
• identify, based on the loan application data, one or more lending products offered by the financial institution that the user qualifies for;
• pre-approve the user for each of the one or more identified lending products;
• provide, to the client device, selectable lending product features via the graphical user interface displayed in the client device, each of the selectable lending product features relating to the one or more identified, pre-approved lending products and including a range of selectable credit amounts, each of the selectable credit amounts having a different collateral requirement;
• receive, from the client device, feature selection data provided by the user via the graphical user interface displayed in the client device;
• select, from the one or more identified, pre-approved lending products, a pre-approved customized lending product based on the feature selection data;
• and
• provide, to the client device, a webpage configured to be displayed by the graphical user interface displayed in the client device, the webpage confirming details of the pre-approved customized lending product and including an indication of a selected credit amount including any associated collateral requirements for the pre-approved customized lending product.

A non-transitory computer readable media having computer-executable instructions embodied therein that, when executed by a processor of a computing system, cause the computing system to perform operations to provide a customized lending product via a graphical user interface displayed in a client device, the operations comprising:

• providing, to the graphical user interface displayed in the client device, an electronic loan application form comprising user personal, financial and asset input data of a user;
• receiving, from the client device, loan application data, the loan application data comprising user inputs provided via the electronic loan application form;
• identifying one or more lending products offered by a financial institution that the user qualifies for based on an evaluation of the received loan application data;
• pre-approving the user for each of the one or more identified lending products;
• providing, to the client device, selectable lending product features via the graphical user interface displayed in the client device, each of the selectable lending product features relating to the one or more identified lending products and including a range of selectable credit amounts, each of the selectable credit amounts having a different collateral requirement;
• receiving, from the client device, feature selection data provided by the user via the graphical user interface displayed in the client device;
• selecting a pre-approved customized lending product from the one or more identified, pre-approved lending products based on the feature selection data;
• and
• providing, to the client device, a webpage configured to be displayed by the graphical user interface displayed in the client-device, the webpage confirming details of the pre-approved customized lending product and including an indication of a selected credit amount including any associated collateral requirements for the pre-approved customized lending product.