The mortgage industry is navigating one of its most dynamic and fast-changing markets. While volumes have shifted and margins remain tight, this environment presents a unique opportunity for lenders to rethink processes, embrace innovation, and enhance the borrower experience. Balancing speed, compliance, and cost-efficiency with leaner teams is challenging — but for those who adapt, it’s a chance to build smarter, more resilient operations. In conversations with lenders across the country, one thing keeps coming up: the need to work smarter with the resources they have. It’s not about doing more for the sake of it — it’s about cutting through the clutter, focusing on what moves the needle, and eliminating the friction points that slow down production and eat away at profitability. And for many, one of those pain points is the traditional verification process.
That’s why we’re seeing growing momentum around a new class of technology created by Xactus called Intelligent Verification. It’s a modern, data-driven approach that helps lenders get the information they need, exactly when they need it, without unnecessary steps, delays and costs. By bringing real-time insights and automation into critical parts of the lending process, Intelligent Verification is helping lenders find new ways to reduce inefficiencies, avoid redundant verifications, and make quicker, better-informed decisions in a market where every minute and dollar counts.
By now you may be wondering, “How is Intelligent Verification delivered?”
The answer is through our proprietary Intelligent Verification Platform (IVP), Xactus360 – a revolutionary system we designed to give lenders a smarter, more connected way to manage verifications across the mortgage lifecycle. Powered by responsible AI, open APIs, and dynamic workflows, Xactus360 streamlines operations, automates critical actions, and delivers lenders with the right data at the right time. The result? You can create greater operational efficiency, reduce costs, and enhance decision-making across originations and servicing.
The IVP: Features and Benefits Driving Today’s Lending Operations
As Intelligent Verification technology evolved, developing our own proprietary IVP became a natural next step. Designed with flexibility and usability in mind, the Xactus360 IVP integrates seamlessly with leading POS and LOS technologies — delivering real-time, actionable data for smarter, faster lending decisions We do this in an agnostic manner so you get to choose what works best for your mortgage company.
We’re seeing lenders use platforms like this to move away from rigid, manual workflows in favor of automated, scalable solutions that offer optionality and drive efficiency to reduce operational friction. Consider the distinct ways in which the Xactus360 IVP can improve your workflows and enhance efficiency:
- Superior Data & Expertise: Access best-in-class solutions covering the entire mortgage lifecycle.
- Automation: Minimize manual tasks so teams can focus on higher-value, customer-centric activities.
- Scalability: Adapt quickly to shifting demand — without adding headcount.
- Dynamic Workflows: Empower staff, improve accuracy, and streamline operations.
Operation Wins We’re Seeing in the Market
By leveraging an IVP like Xactus360, mortgage lenders are achieving meaningful operational improvements and strategic advantages, including:
- Faster Loan Processing: Processes like Letters of Explanation (LOE) can be automated with tools like ezLOE, enabling applicants to securely submit explanations via text or email — reducing turnaround from days to seconds.
- Increased Efficiency: Integrated, automated workflows eliminate the need for manual data collection. Lenders can seamlessly access IRS and employment records without leaving their LOS.
- Simplified Vendor Management: One platform and provider for multiple products means fewer invoices, streamlined compliance, and reduced operational overhead.
- Reduced Waste: Customizable workflows give lenders control over what data they access and when — for example, delaying costly tri-merge credit pulls or income verifications until absolutely necessary.
- Time Savings Through Smart Automation: Verification requests are triggered only when needed, optimizing staff resources and driving operational efficiency.
- Greater Flexibility: Lenders can easily prioritize cost-effective verification options and remain agile as regulatory requirements and market conditions shift. Our biweekly platform updates ensure clients stay ahead.
- Smarter, Earlier Decisioning: Early alerts notify lenders when existing records are available, helping them avoid unnecessary verifications — saving time, money, and improving customer experience.
- Enhanced Security: Built-in protections like multi-factor authentication (MFA), fraud detection, encryption, and automated security controls safeguard sensitive borrower data.
Connecting Across the Entire Mortgage Lifecycle
What makes an intelligent verification platform especially valuable is its ability to support not just originations, but servicing and system integrations across the mortgage lifecycle. It’s becoming clear that, much like LOS and POS systems before them, IVPs are poised to become an essential connection point within the full mortgage ecosystem.
We see a future where IVPs will serve as vital infrastructure for lenders — helping them stay nimble in a market shaped by evolving compliance, regulatory shifts, and changing customer expectations. And because Xactus360 is built for adaptability, it positions our clients to continuously respond to new challenges, deliver new products to market faster, and better serve consumers in a highly dynamic environment.
Want to learn more about how Intelligent Verification and the Xactus360 IVP can help you create efficiencies, reduce costs, and make smarter lending decisions? Reach out to your strategic account manager or email [email protected] — we’d love to continue the conversation.