Systems and methods for proportionate allocation

A system comprising:

• one or more processors configured to:
• generate a pool table, the pool table comprising one or more pools each comprising a set of records comprising a loan identifier, account identifier, investor identifier, pool identifier, and amount identifier;
• and
• for each pool of the one or more pools:
• determine an unallocated value by summing each amount identifier within the pool that has a null loan identifier;
• compare the unallocated value against a pro rata threshold;
• in response to determining the unallocated value exceeds the pro rata threshold;
• for each record, generate a credit pro rata value and allocating the credit pro rata value to each amount identifier within the pool;
• and
• in response to determining the unallocated value is less than or equal to the pro rata threshold, for each record, generate a debit pro rata value and allocating the debit pro rata value to each amount identifier value within the pool.

A non-transitory computer readable medium comprising instructions that, when executed by one or more processors, cause the one or more processors to:

• generate a pool table comprising one or more pools each comprising a set of records comprising a loan identifier, account identifier, investor identifier, pool identifier, and amount identifier;
• and
• for each pool of the one or more pools:
• determine an unallocated value by summing each amount identifier within the pool that has a null loan identifier;
• compare the unallocated value against a pro rata threshold;
• in response to determining the unallocated value exceeds the pro rata threshold, for each record, generate a credit pro rata value and allocating the credit pro rata value to each amount identifier within the pool;
• and
• in response to determining the unallocated value is less than or equal to the pro rata threshold, for each record, generate a debit pro rata value and allocating the debit pro rata value to each amount identifier value within the pool.