Xactus Mortgage Intent Index

The earliest, most accurate signal of mortgage demand, built from millions of daily credit transactions.

What is the Xactus Mortgage Intent Index?

The Xactus Mortgage Intent Index is a real-time indicator of consumer demand for mortgages. Unlike other indices that track applications or rate locks after consumers are already in process, the index measures intent at the very beginning of the journey—credit inquiries.

By analyzing aggregated, anonymized credit pull activity across the Xactus Intelligent Verification Platform, the index offers the industry’s earliest read on shifting market demand.

Why the Index Matters

Mortgage demand can change overnight. Waiting for application or lock data leaves lenders, capital markets, and analysts one step behind. XMII gives you an early advantage by:

Identifying demand shifts before they appear in locks or applications
Proactively manage pipeline, staffing, and marketing spend
Supporting capital markets decisions with a leading indicator of origination volume
Helping analysts and economists understand consumer housing intent as a forward-looking economic signal

With XMII, you can move from reacting to market changes to anticipating them.

How the Index Works

Daily Credit Pulls – Millions of consumer credit inquiries flow through Xactus360, our Intelligent Verification Platform.
Aggregation & Anonymization – Data is aggregated and fully anonymized to ensure compliance and consumer privacy.
Advanced Forecasting – Proprietary models analyze patterns and apply rigorous statistical methods.
XMII Output – A single, easy-to-understand index value that updates regularly, with daily, weekly, and monthly views.

This process delivers unmatched visibility into consumer intent.

Benchmarking is key to understanding true organization performance. Our industry will swing 50–80% season to season and that’s too wide of a margin. The consequences of not properly forecasting can set your organization back years with service and/or quality issues,” said Craig Ungaro, Chief Operating Officer, AnnieMac Home Mortgage. “Industry application data has been available for a while; however, that’s not a leading indicator. With XMII we finally have what we need, a true leading forecasting benchmarking tool.

Featured Resource: Xactus Mortgage Intent Index White Paper

Mortgage Market Indices Explained: Why They Matter, What They Miss, and What Comes Next

Today’s mortgage market is flooded with data, but not all indicators tell the full story. This exclusive whitepaper from Xactus breaks down how most mortgage indices fall short and how the Xactus Mortgage Intent Index fills the gap with real-time credit inquiry data that captures borrower intent before loan applications even begin.

Fill out the form below to receive the whitepaper.

Name(Required)

First Last

Phone

Company(Required)

State(Required)

Email(Required)

Enter Email Confirm Email

Comments