Loan rate and lending information analysis system

A loan rate analysis system, comprising

• a credit data repository maintaining credit history data associated with at least one entity;
• a credit scoring engine operative to receive credit report data relating to an individual or other entity and process the data against a credit scoring model to yield a credit score;
• a rate information database storing interest rate information for at least one loan type, and operative to return the interest rate(s) corresponding to a given credit score for at least one desired loan type;
• and
• a server operative to:
• receive requests from users over a computer network and transmit responses in return, to interact with a user to obtain information allowing for the retrieval of credit report data, interact with the credit data repository to obtain the credit report data associated with the user, transmit at least a portion of the credit history data to the scoring engine to receive a credit score in return, access the rate information database for interest rate information for at least one loan type, prompt the user for factor information relevant to a loan type, and determine an interest rate for the loan type based on the current interest rate information, the factor information provided by the user, and the credit score associated with the user;
• and
• an interest rate calculator interface comprising
• a credit score field including a credit score value;
• a credit score field interface control allowing a user to change the credit score value in the credit score field;
• and
• an interest rate field displaying at least one loan type and a corresponding interest rate based at least in part on the current credit score value in the credit score field, wherein the interest rate displayed in the interest rate field of the calculator interface is responsive to manipulation of the credit score interface control;
• wherein the server is operative to populate the credit score field with the credit score obtained from the credit scoring system and the interest rate field from the interest rate data obtained from the rate information database.

The loan rate analysis system of claim c further comprising an asset valuation system operative to provide an estimated value of a subject property;

• and wherein the server is operative to prompt the user for information identifying the property and transmit the information to the asset valuation system;
• wherein the interest rate calculator interface further comprises
• a collateral field including a collateral value indicating the value of an asset associated with a loan type;
• a collateral field interface control allowing a user to change the collateral value in the collateral field;
• wherein the server is operative to populate the collateral field with a collateral value provided by the asset valuation system, and wherein the server is operative to populate the interest rate field based on the credit score obtained from the credit scoring system, the collateral value provided by the asset valuation system, and the interest rate data obtained from the rate information system.

An interest rate calculator interface comprising

• a credit score field including a credit score value;
• a credit score field interface control allowing a user to change the credit score value in the credit score field;
• an interest rate field displaying at least one loan type and a corresponding interest rate based at least in part on the current credit score value in the credit score field, and
• a local interest rate database storing interest rate information for at least one loan type,
• wherein the interest rate calculator interface is operative, in response to manipulation of the credit score interface control, to change the displayed interest rate for the at least one loan type based on the interest rate information stored in the local interest rate database.