System and method to search and verify borrower information using banking and investment account data and process to systematically share information with lenders and government sponsored agencies for underwriting and securitization phases of the lending cycle

A computer-implemented method, comprising:

• providing a database;
• storing, in the database, account data for accounts maintained at a plurality of institutions, the account data for each respective account comprising at least a personal identifier for an account holder of that respective account;
• receiving a request to locate assets, the request including a submitted personal identifier;
• automatically locating one or more accounts by matching the submitted personal identifier to the personal identifier stored in the database for the located accounts;
• retrieving at least some of the account data for the located accounts;
• producing a report, the report indicating the assets contained in the one or more located accounts, and the report indicating a pattern of deposits into at least one of the located accounts;
• and
• providing the report to an entity from which the request to locate assets was received.

A system, comprising:

• a database storing data for accounts from a plurality of institutions, the stored data for each respective account comprising at least a personal identifier for an account holder of that respective account;
• and
• a processor configured to:
• receive from a first requesting entity a request to locate assets, the request including a submitted personal identifier;
• automatically locate one or more accounts by matching the submitted personal identifier to a personal identifier stored in the database for the located accounts;
• retrieve from the database stored data associated with the located accounts;
• produce a report, the report indicating the assets contained in the one or more located accounts;
• provide the report to the first requesting entity;
• receive, from a second requesting entity at a time later than the production of the report, a request for information contained in the report, the request including an identifier of the report;
• and
• provide information contained in the report to the second requesting entity.