# Xactus

> Xactus is a privately held mortgage-verification fintech based in Broomall, Pennsylvania. Its Xactus360 platform connects credit reporting, income and employment checks, fraud detection, property services, and external data providers within configurable lender workflows. Formed through the combination of established credit and verification businesses and rebranded in 2022, it sells data and verification services to banks, non-bank lenders, credit unions, and brokers across the United States.

- **Founded:** 1928
- **Headquarters:** Broomall, United States
- **Founders:** Perry Steiner (Founder and CEO of the modern Xactus business; also identified as Chairman and CEO)
- **Products:** Xactus360, Credit ReportX and credit pre-qualification, Income and employment verification, Experian Verify Preview Report, Income CalculationX
- **Notable:** Ranked 288 on the 2022 Inc. 5000, as reported on its About page., HousingWire Tech100 Mortgage recognition for 2022 through 2025, per company reporting., ICE Mortgage Technology Lenders’ Choice Innovative Service Provider award in 2023, per company reporting.

## Products & services

- **Xactus360** — Intelligent Verification Platform connecting lender systems and external data providers with configurable workflows; the Intelligent Verification positioning was announced in February 2025.
- **Credit ReportX and credit pre-qualification** — Merged bureau reports, soft-inquiry pre-qualification and pre-application tools, supplements, and configurable credit ordering.
- **Income and employment verification** — Customizable cascades across Experian Verify, The Work Number, Thomas & Company and Argyle, with manual verification when automated records are unavailable.
- **Experian Verify Preview Report** — Employment-record availability embedded in credit reports, at no additional cost for clients ordering Xactus credit reports and using Experian Verify.
- **Income CalculationX** — Automated self-employed income analysis based on Baleen’s tax-document recognition technology; integration into Xactus360 was described as forthcoming at acquisition.
- **Fraud ReportX and QC ReviewX** — Fraud risk detection and quality-control services supporting borrower, property and mortgage-participant checks.
- **Property solutions** — Flood ReportX, valuation tools and appraisal workflow services, including Appraisal Firewall provided by XedaLink.
- **FICO Score Mortgage Simulator** — Credit-change simulations for mortgage professionals using FICO algorithms, alongside Xcel ScoreX and RescoreX.
- **Xactus Mortgage Intent Index** — Daily updates and a non-seasonally adjusted weekly index derived from anonymized, aggregated mortgage credit inquiries.
- **XedaLink** — Independent subsidiary housing the acquired Mortgage Credit Link order-fulfillment hub.

## Achievements

- Ranked 288 on the 2022 Inc. 5000, as reported on its About page.
- HousingWire Tech100 Mortgage recognition for 2022 through 2025, per company reporting.
- ICE Mortgage Technology Lenders’ Choice Innovative Service Provider award in 2023, per company reporting.
- ICE Platinum Partner status announced August 19, 2025.
- 2025 PROGRESS in Lending Game Changer recognition for Xactus360.

## Latest updates

- **2026-09** — Baseline announced an integration for credit and flood report ordering inside its private-lending platform.
- **2026-09** — Xactus announced expanded support for lenders adopting VantageScore 4.0.
- **2026-05** — Acquired Mortgage Credit Link and introduced XedaLink as an independent subsidiary; JP Morgan provided financing.
- **2026-05** — Added the Experian Verify Preview Report within the credit-report workflow.
- **2026-05** — News page announced a Chief AI Architect role; About page identifies Crispen Masunda in that role.
- **2026-02** — Acquired Baleen Solutions for automated self-employed income analysis.

## Links

- Website: https://xactus.com/
- LinkedIn: https://www.linkedin.com/company/xactus-llc/
- Twitter/X: https://twitter.com/CISCredit
- YouTube: https://www.youtube.com/@xactus_
- Instagram: https://www.instagram.com/xactusmortgage/
- Facebook: https://www.facebook.com/XactusLLC/

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Profile page: https://yespress.io/xactus
Published by YesPress — https://yespress.io
Last updated: 2026-10-01