Systems and methods permit the efficient and accurate aggregation and analysis of loan application data as well as the convenient display of the loan application data to a financial
service provider. In one embodiment, a computing device associated with a financial
service provider receives a loan application containing loan application data. The computing device performs a compliance and underwriting analysis and a
verification analysis to validate inputs, authenticate customer identity, ensure compliance with regulatory requirements, and evaluate the risk posed by a loan application, among other features. If the
verification analysis indicates that supplemental loan application data is required, the provider computing device generates an application status message identifying the required supplemental data. Following the compliance and underwriting analysis and the
verification analysis, the provider computing device creates an electronic credit
authorization document and generates an application decision message indicating approval or disapproval of the loan application.