Income &
Employment

Cascading relevant verification data, Xactus’ Income and Employment solutions enable a faster, more efficient applicant validation process

Income &
Employment

Cascading relevant verification data, Xactus’ Income and Employment solutions enable a faster, more efficient applicant validation process
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Income &
Employment Cascading relevant verification data, Xactus’ Income and Employment solutions enable a faster, more efficient applicant validation process

Make Better Loan Decisions Faster with Xactus Products

Xactus provides all the Income and Employment solutions lenders need to obtain an accurate, multi-dimensional view of their applicants. Receive up-to-date income, employment, asset, and debt verification data so you can properly evaluate the loan applicant’s creditworthiness quickly and efficiently.

Make Better Loan Decisions Faster with Xactus Products

Xactus provides all the verification solutions lenders need to obtain an accurate, multi-dimensional view of their applicants. Receive up-to-date income, employment, asset, and debt verification data so you can properly evaluate the loan applicant's creditworthiness quickly and efficiently.

Make Better Loan Decisions Faster with Xactus Products

Xactus provides all the verification solutions lenders need to obtain an accurate, multi-dimensional view of their applicants. Receive up-to-date income, employment, asset, and debt verification data so you can properly evaluate the loan applicant's creditworthiness quickly and efficiently.
Verification Solutions
Our suite of Income & Employment products help you evaluate risk, ensure the ability to repay, mitigate losses, and retain customers
Verification Solutions
Our suite of Income & Employment products help you evaluate risk, ensure the ability to repay, mitigate losses, and retain customers
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Xactus Income & Employment

Income Verification X

Asset Verification X

Tax Transcript Verification X
Employment Verification X
Deposit Verification X
Social Security Verification X
Income Verification X
Employment Verification X
Asset Verification X
Deposit Verification X
Tax Transcript Verification X
Social Security Verification X
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Obtain immediate access to
employer payroll records

Conduct a comprehensive check of employment and income and obtain access to millions of employment records with Xactus' verification solutions. Our VOE/I workflow is fully customizable and can be programmed to cascade to various online databases. You can also obtain uniform, auditable manual verifications when an applicant's information isn't available in an online database.

Obtain immediate access to
employer payroll records

Conduct a comprehensive check of employment and income and obtain access to millions of employment records with Xactus' verification solutions. Our VOE/I workflow is fully customizable and can be programmed to cascade to various online databases. You can also obtain uniform, auditable manual verifications when an applicant's information isn't available in an online database.

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Electronically verify applicants'
financial accounts quickly & securely

  • Xactus' Asset Verification services are an essential part of your due diligence during the mortgage loan approval process. You can:
  • Validate a consumer's assets, deposits, and account activity directly from the borrower's financial institution(s)
  • Obtain a clear view of the borrower's financial balances
  • Reduce the risk of costly loan buybacks or other challenges

Electronically verify applicants'
financial accounts quickly & securely

  • Xactus' Asset Verification services are an essential part of your due diligence during the mortgage loan approval process. You can:
  • Validate a consumer's assets, deposits, and account activity directly from the borrower's financial institution(s)
  • Obtain a clear view of the borrower's financial balances
  • Reduce the risk of costly loan buybacks or other challenges
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Monitor applicants' credit
throughout the mortgage process

With Xactus Undisclosed Debt Verifications, you'll get real-time monitoring of the applicants' credit activity, from the initial credit file pull through loan closing. Activate our undisclosed debt verifications to avoid surprises during the lending process.

Monitor applicants' credit
throughout the mortgage process

With Xactus Undisclosed Debt Verifications, you'll get real-time monitoring of the applicants' credit activity, from the initial credit file pull through loan closing. Activate our undisclosed debt verifications to avoid surprises during the lending process.
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Verify income with immediate,
accurate IRS tax data

Xactus offers automated IRS data feeds with up-to-the-minute IRS information. In addition, Xactus offers access to easy-to-read electronic Tax Transcript X reports, including form 4506-C and 8821 as well as real-time updates. Borrowers can e-sign authorization forms, reducing the amount of time you spend gathering the permissions you need.

Verify income with immediate,
accurate IRS tax data

Xactus offers automated IRS data feeds with up-to-the-minute IRS information. In addition, Xactus offers access to easy-to-read electronic Tax TranscriptX reports, including form 4506-C and 8821 as well as real-time updates. Borrowers can e-sign authorization forms, reducing the amount of time you spend gathering the permissions you need.
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Integrate Borrower Verification Services
Directly into Your Workflow:

  • Quickly and easily validate income, employment, undisclosed debt, assets, and identity

  • Receive accurate consumer information
  • Access tax returns and other forms rapidly and inexpensively
  • Avoid surprises at loan closings
Integrate Borrower Verification Services Directly into Your Workflow:
  • Quickly and easily validate income, employment, undisclosed debt, assets, and identity

  • Receive accurate consumer information
  • Access tax returns and other forms rapidly and inexpensively
  • Avoid surprises at loan closings

Start using our consumer
verification services today!

Start using our consumer
verification services today!

Start using our consumer
verification services today!

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