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Xactus Mortgage Intent Index

Meet the Intelligent Verification Platform.

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

What is IVP?

Intelligent Verification is a new class of technology that transforms how mortgage lenders verify credit, income, employment, and other key data points. Instead of static workflows and manual processes, an Intelligent Verification Platform delivers dynamic data insights when they are needed in the loan lifecycle.

Right data at the right time
Dynamic verification workflows
Integrated with LOS and POS systems
Faster, smarter mortgage decisions

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.

Additional Resources

These resources maybe a download, a PDF, forms to sign, or surveys.

Product Catalog & Roadmap

The Power of the

Intelligent Verification PlatformSM

2024 by the Numbers

50M

Verification Data
Products Delivered

20M

Borrowers

10K

Unique Lenders

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65K

Xactus360 Users

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.

Our Recognition

Xactus and its technology have received numerous awards including:

ICE Mortgage Technology Innovation Award: Lenders’ Choice – Innovative Service Provider (2023)
HousingWire Tech 100 Mortgage (2025, 2024, 2023 and 2022)
Progress in Lending Innovations (2025, 2024, 2023 and 2022)
MortgagePoint: Tech Excellence (2025)
Magazine’s Inc. 5000 where Xactus ranked 288 (2022)

Our Commitment

The company is committed to creating and maintaining a workplace in which all employees have an opportunity to participate and contribute to the success of the business and are valued for their skills, experience, and unique perspectives. This commitment is embodied in company policy and the way we do business and is an important principle of sound business management.

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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.

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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)

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Email(Required)

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Learn more about how Xactus360, the industry-first Intelligent Verification Platform, places the power of the nation's leading verification partner at our clients' fingertips.