What UniversalCIS does

Xactus is a U.S.-based fintech company that provides verification solutions to the mortgage industry. The company is headquartered in Philadelphia, Pennsylvania, and serves 10,000+ unique lenders and 65,000 Xactus360 platform users, delivering 50 million verification data products and serving 20 million borrowers in 2025. Its core product is Xactus360, an Intelligent Verification Platform that aggregates data from across the mortgage ecosystem and applies advanced AI-driven intelligent waterfalls to automate credit, income and employment, fraud detection, property, score optimization, and data workflows.

Xactus monetizes through subscription and per-transaction verification services sold via enterprise field sales and embedded through 50+ integrations to industry Loan Origination Systems (LOS), Point-of-Sale (POS), and Servicing platforms, as well as client-specific APIs. The company has pursued an acquisition-driven expansion strategy, having acquired Mortgage Credit Link (MCL) from MeridianLink in May 2026 (rebranded as XedaLink) and Baleen Solutions for self-employed income analysis. The product portfolio also includes sub-brands MassiveCert, TenantReportX, and Xiris Valuations, and the platform is reinforced by strategic technology partnerships with Experian, Plaid, Argyle, and Thomas and Company.

The company is privately held, with no public listing, disclosed funding rounds, or parent organization identified. Recent strategic activity includes the creation of a Chief AI Architect role in May 2026 to accelerate AI-driven innovation across Xactus360, and ongoing integration of consumer-permissioned data sources into the verification stack.

Name

UniversalCIS

Legal name

Xactus

Website

https://universalcis.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

251–500 employees

Short description

Xactus is a U.S. fintech that provides mortgage verification solutions through its Xactus360 Intelligent Verification Platform, serving 10,000+ lenders with credit, income and employment, fraud, property, and data verification services delivered via API integrations and enterprise sales.

Ownership category

akta.pro rank

Product category

Mortgage Verification Software

NAICS

Computer Systems Design and Related Services (54151), Custom Computer Programming Services (541511), Credit Bureaus (56145)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Quality Control (QC), Compliance & Audit Tools for Underwriting (FSALALAL)

akta.pro secondary industries

Fraud Detection, Identity & KYC/AML for Mortgages (FSALALAH), Automated Valuation Models (AVM) & Property Data/Analytics (FSALALAJ), Account Verification & Ownership (AVS/AOV, micro-deposits, auth) (FSAGACAB)

Keywords

• Mortgage verification platform
• Intelligent verification solutions
• Credit and income verification
• Mortgage fraud detection
• Property valuation services

Headquarters

HQ city

Broomall

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Verification Services: Xactus generates revenue through delivering verification data products including credit verification, income & employment verification, fraud detection & QC, property solutions, score optimization, and data solutions to mortgage lenders.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Xactus sells the Xactus360 Intelligent Verification Platform, a data-driven and scalable software offering that automates mortgage verification workflows including credit, income & employment, fraud detection & QC, property, score optimization, and data solutions. It is delivered to 10,000+ mortgage lenders via direct sales, 50+ LOS/POS/Servicing integrations, and strategic partnerships.

Product overview

Xactus offers a unified portfolio centered on the Xactus360 Intelligent Verification Platform, a data-driven and scalable technology that automates verification solutions for the mortgage industry. The platform encompasses core product modules including Credit, Income & Employment (Verifications), Fraud Detection & QC, Property Solutions, Score Optimization, and Data Solutions. Additional offerings include sub-brands XedaLink (from MCL acquisition), MassiveCert, TenantReportX, and Xiris Valuations, with Baleen Solutions (self-employed income analysis) acquired to expand platform capabilities. Xactus360 integrates with over 50 LOS, POS, and Servicing Systems plus client-specific APIs.

Differentiator

Problem solved

Functional benefit

Brands

• Xactus360: Industry-first Intelligent Verification Platform that provides data-driven and scalable verification solutions for mortgage lenders, enabling automation, faster decisions, and integration with LOS, POS and Servicing Systems

Products and services

• Xactus360 Intelligent Verification Platform Industry-first Intelligent Verification Platform that provides data-driven and scalable verification solutions for mortgage lenders, enabling automation, faster decisions, and integration with LOS, POS, and Servicing Systems.
• Credit Verification
• Income & Employment Verifications
• Fraud Detection & QC
• Property Solutions
• Score Optimization
• Data Solutions
• XedaLink Credit link solutions brand introduced through acquisition of Mortgage Credit Link (MCL) from MeridianLink.
• MassiveCert
• TenantReportX
• Xiris Valuations
• Baleen Solutions Self-employed income analysis capabilities acquired by Xactus to expand intelligent verification of non-traditional income sources.

Quantifiable outcome

• 50M verification data products delivered in 2025
• +2 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability3 records

Feature5 records

Partnerships

Six partnerships are on record, tiered core.

• ExperiancoreTechnology or Integration · 12 May 2026Xactus integrated Experian Verify Preview Report into Xactus360 platform, delivering early employment insight at no cost to lenders.
• PlaidcoreTechnology or IntegrationStrategic partnership to expand intelligent verification options for mortgage lenders through Plaid's consumer-permissioned financial data connectivity.
• ArgylecoreTechnology or IntegrationIntegration delivers consumer-permissioned income and employment verifications through the Xactus360 platform.
• Thomas and CompanycoreTechnology or IntegrationIntegration of Peek Verify into Xactus360 delivers greater transparency and control in employment and wage verifications.
• MeridianLinkcoreChannel Partner/ Reseller/ DistributorXactus acquired Mortgage Credit Link (MCL) from MeridianLink and introduced new brand XedaLink.
• Baleen SolutionscoreTechnology or IntegrationAcquisition expanding intelligent verification capabilities for self-employed income analysis in the mortgage verification process.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• ICE Mortgage Technology: ICE Mortgage Technology (formerly Black Knight) is the dominant end-to-end mortgage technology platform covering origination, servicing and secondary markets. It overlaps with Xactus across loan-level data, verification workflows and LOS integrations, but operates as a broad incumbent suite rather than a verification specialist.
• Equifax: Equifax is a global credit bureau and operates The Work Number, the largest U.S. employment and income verification database. It competes with Xactus's verification stack as both a data source and a verification provider to mortgage lenders.
• Experian: Experian is a global credit bureau and a strategic data partner to Xactus (Experian Verify Preview Report is integrated into Xactus360). It is also a direct competitor offering credit, identity and verification products to the same mortgage lender customer base.
• TransUnion: TransUnion is a global credit bureau offering consumer credit data, fraud analytics and income/asset verification solutions. It competes with Xactus in credit verification and is increasingly active in mortgage decisioning data products.
• CoreLogic: CoreLogic is a major property data and analytics provider whose property, valuation and collateral solutions overlap with Xactus's Property Solutions module. It serves the same U.S. mortgage lender clients at scale with broader data assets.

Direct peers

• Truework: Truework provides consumer-permissioned income and employment verification, including for mortgage use cases, through direct integrations with payroll providers. It is a direct, best-of-breed competitor to Xactus's Income & Employment verification module.

Emerging players

• Plaid: Plaid is a consumer-permissioned financial data connectivity network and a strategic Xactus partner. It overlaps competitively in income, asset and employment data aggregation for mortgage underwriting and is expanding its own verification and risk products.
• Finicity: Finicity (a Mastercard company) provides consumer-permissioned financial data aggregation and income/asset verification APIs. It is an emerging player in the same consumer-permissioned verification space Xactus occupies, particularly for mortgage income and asset verification.
• Argyle: Argyle provides real-time income, employment and payroll data directly from employer systems via consumer permissioning. It is both a Xactus integration partner and a direct competitor in consumer-permissioned income and employment verification.
• Ocrolus: Ocrolus uses AI-driven document analysis to verify income, employment and assets from bank statements, pay stubs and tax forms. It competes with Xactus's intelligent verification capabilities on the AI-augmented income/asset analysis side of mortgage underwriting.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A2 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about UniversalCIS