Providing temporary use of cloud-based, non-downloadable loan origination software (LOS), for use by financial institutions, such as banks, credit unions, mortgage bankers, and mortgage brokers, for use in the origination and management of residential mortgage loans; providing temporary use of web-based non-downloadable loan origination software, for use by financial institutions, such as banks, credit unions, mortgage bankers, and mortgage brokers, for use in the origination and management of residential mortgage loans; all of the foregoing offered or sold to businesses, and not related to providing real estate listing information or visual representations of real estate listings for sale or rental, and all of the foregoing not relating to payment card services or electronic transfer of fund services