Providing an online non-downloadable loan origination software platform and operating system for use in connection with mortgage origination and other consumer loans, homeownership services, and insurance services, featuring loan pricing, processing and underwriting, closing, and loan sale optimization; Providing an online non-downloadable loan origination software platform for use in connection with mortgages and other consumer loans, homeownership services, and insurance services; Providing an online non-downloadable loan operating system for use in connection with mortgages and other consumer loans, homeownership services, and insurance services; Providing an online non-downloadable point of sale software platform for use in connection with mortgages and related consumer loans, homeownership services, and insurance services