Downloadable computer application software for use in the consumer lending, mortgage lending, mortgage brokerage, and auto loan brokerage field for managing lending documentation, creating customer loan applications, maintaining customer loan databases for lending purposes, and reporting on loan activity data; Downloadable business process outsourcing software for use in the lending and mortgage lending field enabling users to outsource lending documentation management, customer loan application creation, customer loan database creation and maintenance, and loan activity data reporting; Downloadable computer software for mortgage loan, consumer loan, auto loan, and commercial loan origination and processing; Downloadable computer software for the automation and management of auto loan, mortgage loan, and consumer loan application processes; Downloadable computer software for use in transmitting messages between lenders, mortgage vendors and consumers; Downloadable computer software for managing and processing mortgage transactions; Downloadable computer software for managing and processing loan transactions and generating reports associated with said loan transactions; Downloadable computer software for use in mortgage and non-mortgage loan origination and transaction processing, loan fulfillment management and processing, mortgage and non-mortgage loan servicing management and processing, loan default management, mortgage foreclosure processing, and loss mitigation processing for under- and non-performing mortgage and non-mortgage loans; the foregoing excluding the fields of data warehousing and extraction and data analysis related thereto, and tax preparation