Xactus

Name: Xactus
Address: 370 Reed Road , #100, Broomall, PA, 19008, US
Telephone: +16102841000

Xactus is the leading verification innovator for the mortgage industry.

The company has over 6,500 clients ranging from the largest bank and non-bank mortgage originators to credit unions and mortgage brokers. With 12 operation centers across the U.S., Xactus works closely with its clients to digitally integrate a 360° approach to verification across their workflows. As a result, lenders can easily access the technology necessary to meet consumer demands for a modern

mortgage experience with industry-leading speed, reliability, and accuracy – while also closing more loans more quickly with greater profitability.

05/01/2025

Michael Crockett and Rosa Mumm from our team will be FICO World 25, diving into what’s next in data, analytics, and smarter decisioning. We’re excited to explore the latest innovations in credit, risk, and AI, and how they can help mortgage professionals make more confident, intelligent decisions, faster.

At Xactus, we’re all about superpowering decisioning through intelligent verification – and there’s no better place to expand that vision than FICO® World. From smarter workflows to stronger borrower insights, we’re looking forward to connecting and learning alongside some of the best minds in financial services.

04/30/2025

We'll be live from Huntington Beach, CA at the Mortgage Innovators Conference, next week May 7–8!

We're doubling down:
🔹 May 8 at 2:00 PM – Sasha Stair, CMB®, Chief Marketing Officer, is delivering a tech talk on reducing waste while increasing impact.
🔹 May 8 at 3:00 PM – Barrie Effron and Katy Di Meo will host a Tech Demo where you can experience Xactus360 firsthand.

Want a closer look? 🔎
Schedule a one-on-one demo: https://bit.ly/42KbFZ2

Come discover how Xactus is redefining how, what, and when you verify — all while reducing data waste, friction, and costs. See you there!

04/28/2025

Helping consumers understand their credit just got a whole lot easier — and smarter.

With the FICO® Score Mortgage Simulator, mortgage professionals can simulate how changes to a borrower’s credit data might impact the actual FICO® Score used in mortgage decisioning.

It’s the only simulator that uses real FICO® Score algorithms.

Available first through Xactus360 — the industry’s first Intelligent Verification Platform — this tool was developed by FICO’s own analytic scientists to deliver unmatched insight into how FICO® Scores work.

The result?

✅ More accurate guidance for consumers
✅ A better experience for applicants
✅ More value for loan officers, lenders, and resellers

04/24/2025

Verifying income and employment doesn’t have to slow you down. With our automated VOE/I waterfall, borrowers can quickly and securely share the employment and wage info loan originators need – without all the back-and-forth.

Our integrations with providers like Experian Verify™, The Work Number® by Equifax, Thomas & Company, and more create a customizable, cascading workflow. If one source doesn’t have the data, the next one checks automatically. And if all digital options are exhausted? We’ve got manual verification covered too.

Intelligent verification – built to keep things moving and getting the data to work for you.

04/23/2025

Spring’s in the air – and so is the homebuying season.

As volume ramps up, so can the dreaded trigger leads.

So, what can you do to help prevent them – and protect your pipeline?

Start with a soft credit pull. It lets you prequalify borrowers and move the process forward, while delaying the hard pull until later when you're ready to clear the loan for closing. Less noise, fewer lost deals.

But what if your current customer is already shopping for a mortgage elsewhere? That’s where retention triggers come in – and that’s something entirely different.

With our Portfolio Monitoring X product, we’re not watching the whole market. We’re watching your portfolio – people you’ve already built relationships with. When someone in your book starts shopping, you get a heads up and a chance to reconnect.

That connection matters. In fact, we’re seeing that lenders are able to pull about 20% of those retention triggers through to a completed loan application.

It’s about more than monitoring – it’s about maintaining the relationships you’ve already invested in.

Reach out to your strategic account manager or to [email protected] to learn more.

04/22/2025

Mike Allen, Kim Motsinger, Joe Ware, and JB Manning will be in San Antonio for TMBA’s Annual Convention, and we’re looking forward to having real conversations with lenders about what’s working – and what’s not.

One topic that keeps coming up? How to reduce unnecessary costs and move faster without compromising quality. We’ll be talking with lenders about ways to streamline the mortgage process using intelligent verification — to create less data waste.

If you’re thinking about how to make your processes more efficient this year, let’s connect.

04/17/2025

What if you could pull a soft inquiry report that protects your pipeline from early triggers—while giving you the flexibility to move faster?

Pre-App X makes that possible—and more:

✔️ No written consent required (just authorization)
✔️ Access to up to 3 bureaus
✔️ Can pair nicely with the FICO® Score Mortgage Simulator

This is Intelligent Verification in action: rethinking when, how, and what you verify to ensure you’re using the right data at the right time. The result?

⚡️ Faster decisions
💸 Lower loan costs
📊 Smarter workflows

Let’s talk about how you can configure your workflows to drive efficiency, protect your pipeline, and reduce data consumption waste.

📩 Reach out at [email protected] to learn more.

04/16/2025

New from Xactus!

Xactus is proud to announce that The Work Number® Report Indicator from Equifax is now available through Xactus360, the industry’s first Intelligent Verification Platform℠ (IVP).

This new solution empowers lenders to quickly see an indicator of the applicant’s employment status through The Work Number alongside an Equifax credit report — streamlining workflows and accelerating decision-making.

✅ Complimentary benefit
✅ Choose to display the report indicator alongside the credit report
✅ Reflects data from the past 36 months

Contact your account manager or email [email protected] to learn more!

Read the PR: https://xactus.com/xactus-first-to-offer-the-work-number-report-indicator-from-equifax/

04/15/2025

Next week, our Chief Strategy Officer, Thomas Lloyd, EVP of Sales, Jordan G., and VP Product Strategy, Derek Bartley are heading to Horizon, Dark Matter Technologies' User Conference — and we’re proud to be part of it.

As a trusted tech stack partner, we’re excited to explore the future of the mortgage industry alongside some of the brightest minds in lending.

From predictive AI to streamlined workflows, Horizon is all about what’s next — and so are we.

If you’re attending, let’s connect! ➡️ [email protected]

04/14/2025

How can lenders reduce data consumption and unlock deeper insights? Shelley Leonard shares how Xactus360 is making that possible.

From cost pressures to data overload, today’s mortgage landscape demands more from verification. That’s why we built our Intelligent Verification Platform (IVP)—a smarter, more integrated way to manage verifications across the entire loan lifecycle.

Watch this quick video to hear Shelley’s take on how IVP is reshaping verification in lending and helping lenders reduce waste by leveraging the right data at the right time.
HousingWire

Address

370 Reed Road , #100
Broomall, PA
19008

Telephone

+16102841000

Website

https://xactus.com/

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