HW Tech100

Empowers businesses to integrate consumer data and reporting seamlessly into their business analytics environment in order to improve confidence and reduce risk when making lending decisions.


Xactus’s (formerly UniversalCIS | Credit Plus) technologies are transforming the mortgage industry through the company’s approach to delivering the verifications and credit data solutions lenders need in an ever-changing regulatory environment. Xactus’s flexibility and adaptability enable lenders who transition to our mortgage credit reporting platform to customize formats based on their customers’ wants and needs, placing them in a better position to quickly get on the path to a truly digital mortgage and deliver an enhanced borrower experience. Avantus — the company’s mortgage credit reporting platform —delivers all the credit reporting, verifications and settlement services lenders need to qualify borrowers through its integration with the GSEs and credit bureaus, as well as any LOS platform or consumer-facing portals that lenders use.

  • With a product line of over 170 verification and data solutions, the Xactus has created one of the industry’s leading data provider technologies designed to help mortgage lenders make better decisions and improve their workflows.
  • FraudPlus features three reports — the Borrower Detail Report, the Property Detail Report, and the Mortgage Participant Detail Report — that let lenders quickly determine if applicants are a risk. This helped increase transactions by 26% the last year.
  • QC Review speeds up fundings, reduces repurchase and default risk by influencing more efficient secondary market processing.

Company Website:


Markets Served:

Loan Origination, Servicing, Secondary

Company HQ:

Broomall, PA

3d rendering of a row of luxury townhouses along a street

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