I would separate the submission vs # of offers. It will help answer the following questions:
What is the close rate of funded over requested funds? On average, the number of funders who receive the file.

For each submission, there should be a debt schedule.

Credit reports are huge for A paper. Great banks but weak credit. You do not waste time shopping A funders & go straight for B funders. I wouldn't run credit for 3+ positions to be honest unless revenue was huge. This will bring down costs substantially imo.

The estimate offer idea is great in theory but there are better features to focus on.

Your 7B idea is how you will increase your close rate by a lot. The amount of analytics that I collect on each funder is a lot tbh. Decline reason distribution, underwriters on the file, approval time, underwriting time, renewal %, approval by state, industry, average term, average amount, % of killed in final, etc. The list goes on.


Good luck.