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Advancing the Modern Mortgage with Intelligent Verification Comprehensive Verifications for Enhanced Decisioning and Greater Efficiency

Xactus: The Leading Verification Innovator for the Mortgage Industry Partnering closely with clients, Xactus is transforming mortgage origination and servicing with our proprietary technology platform and market-leading service at scale. The result? We enable clients to increase efficiency, streamline integrations, radically reduce data waste, and gain a competitive edge.

4 Xactus360 Intelligent Verification PlatformSM (IVP) 6 Credit Solutions 8 Scoring Solutions 10 Data Solutions 12 Verifications 14 Fraud Solutions 16 Property Solutions: Flood 18 Property Solutions: Appraisal

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Smarter, Faster, Better: How Intelligent Verification is Reshaping Mortgage Lending What’s Intelligent Verification? Watch this short video and learn about a new class of technology that is reframing how, what, and when we verify.

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What is an Intelligent Verification Platform (IVP)?

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An IVP is user-centric platform that integrates with existing Point of Sale and Loan Origination System (POS and LOS) technologies to enhance decisioning and improve efficiency. It dynamically transforms workflows, replacing inflexible, costly scenarios with easy-to-configure, automated and scalable solutions. Ultimately, you receive the data you need, when you need it, so you can make smarter decisions more quickly while reducing waste and friction.

Benefits Increased speed Enhanced efficiency Easy vendor management Waste reduction Time savings Greater flexibility Enhanced security

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The Industry-First IVP that Delivers the Right Data at the Right Time For Better Decisions The Xactus360 IVP is a comprehensive fulfillment platform that helps clients eliminate unnecessary data pulls and improve next-best actions, facilitating greater efficiency throughout the loan life cycle. Our IVP and decisioning logic enable different software systems to work together without friction, supporting cleaner integrations and interactions. nprecedented Reach, Domain Expertise, and Data Scale – Lenders and servicers can U enjoy access to an array of products and solutions that span the entire mortgage lifecycle.

I ncreased Focus on More Valuable Work – By automating manual processes that were previously managed by human capital, employees can spend time on more meaningful tasks that require human discernment, personal interaction, and critical thought. he Ability to Scale Flexibly to the Needs of the Market – The Xactus360 IVP enables lenders T and servicers to pivot their operations quickly to meet the needs of the market as volumes ebb and flow – without having to increase or decrease their headcount. ynamic Workflows That Respond to Context – The Xactus360 IVP allows lenders to make D superior loan decisions regardless of circumstance, expertise, and experience, enabling more junior employees to operate at a more advanced level.

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Credit Solutions Benefits Create cost savings with custom bureau selection and waterfalling from 1 to 3 bureaus Pre-approve and pre-qualify customers more efficiently and accurately Integrate with your existing technology Get tradeline updates quickly and compliantly

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Xactus’ credit reporting solutions enable you to reduce costs, increase efficiencies, mitigate risk and improve consumers’ digital experience. * Our full range of credit solutions is designed to help you make more informed decisions. We offer 1 to 3 bureau options that work within your workflows, and are easily accessed through our technology or your LOS or POS.

Tradeline updates and other verifiable information required to approve an application can be completed in as little as a few hours.

Get a more robust pre-approval. With Pre-App X, you can review trended credit data, issue binding credit offers, bill consumers upfront and obtain a soft inquiry on a consumer.

This comprehensive product lets you avoid trigger leads and minimizes your initial file costs. It’s a great option for conventional loans and if you want to share/reissue to the GSEs, AUS, TPO and wholesale lenders.

* Reduce credit report costs and prequalify consumers with a 1, 2 or 3 bureau pre-qual.

Pre-Qualification X also allows you to protect your leads and prevent consumers’ FICO® scores from being negatively impacted.

Easily pre-qualify applicants by adding consumer-facing credit solutions to your online experience. Xactus offers two heavily customizable point of sale (POS) tools that can be added online so you can quickly review an applicant’s credit and close more loans more quickly.

* Please note: You will need to pull a tri-merge hard pull credit report for final underwriting and loan closing, regardless of whether you use Pre-App X or Pre-Qualification X.

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Scoring Solutions Benefits Close more loans more quickly with effective scoring tools Automatically scan credit files and quickly identify potential improvement opportunities Realize better outcomes and advanced analysis technologies Dive deeper into consumers’ credit reports Reduce costs with our expert rescore review Obtain rescore updates rapidly

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Xactus’ score optimization, analytical, and rescoring products help streamline your workflow and maximize consumers’ loan offerings and approval potential.

This program draws from our deep expertise and goes beyond traditional scoring tools. We evaluate each credit file, provide an in-depth analysis, and develop personalized action plans with file-specific advice for you to review with your applicant.

Our Rescore X service updates consumer credit information directly with Equifax®, TransUnion®, and Experian® in about three days. This allows you to avoid waiting for the creditor to report the update next month. Rush services can reduce the wait to just a day. Our team can carry out these updates with creditor documents, or avoid the need to collect documentation by having the bureau contact the creditor directly. With our expert Rescore Review Service we can even review your rescore requests prior to bureau submission to ensure your request is likely to achieve the desired score result before you incur rescore costs.

FICO® Score Mortgage Simulator

The FICO® Score Mortgage Simulator simulates possible impacts to consumers’ FICO® Scores and includes a variety of scenarios to simulate the impact of potential changes to their credit report data. With that information, you can help applicants gauge how certain actions could impact their FICO Scores and demonstrate how more loan options and potentially better interest rates could become available based on different scenarios.

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Data Solutions Benefits Receive real-time, predictive knowledge to retain loan portfolios Obtain high-quality, targeted leads that get results Better assess pipeline fallout and improve closing rates Analyze competitive intelligence for lost opportunities

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Xactus Data Solutions can help you acquire new customers, retain existing relationships, grow your business and analyze competitive intelligence for lost opportunities.

Our batch updates allow you to obtain current credit, property and public record data on your loan servicing portfolio for regulatory compliance and portfolio risk analysis. Move beyond traditional FICO® only updates to include key credit appends for a more complete picture of your applicant’s overall credit standing, lien position and current loan to value. We acquire information from multiple data sources to ensure the best resource and cost options for each custom project. We provide optimum loan level insight for portfolio management and valuation while identifying additional opportunities within your portfolio. We even offer Equity-Based AVMs to assess your portfolio to identify equity-rich consumers who may be looking for HELOCs or Cash-Outs.

This solution is the industry’s lowest cost retention program. Tri-bureau Portfolio Monitoring X allows you to identify risk and retention opportunities from within your client database. You’ll be electronically notified about your customers’ credit activities, enabling you to quickly respond to their changing credit needs and retain their business. Get a free 30day look-back to see what new mortgage alerts you would have received during that time.

With easy access to credit, demographic and mortgage data on hundreds of millions of consumers, you can accurately target and engage with new prospects and enjoy positive response rates.

Our solution helps you benchmark performance and adjust retention strategies. It delivers an exhaustive breakdown of borrowers’ behavior and allows you to gain visibility into your portfolio while reviewing for these four loan payoff scenarios: Borrower keeps home and pays off mortgage orrower keeps home and refinances with B another lender orrower sells and finances a new home B through another lender orrower sells and does not buy a replacement B home

Monitor lost lead behavior (post funnel dropout) and receive an exhaustive breakdown of lead outcomes and lost opportunities.

Additionally, a win-loss analysis helps you understand what competitive pressures impacted your business growth.

Customized Data Solution

Want custom modeling? Need specific insights on a portfolio? Xactus utilizes sophisticated technology to collect information from thousands of resources and applies rules so you can easily access the insights you need. Our data is broad and deep and can be tailored to your business.

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Verifications Benefits Obtain immediate access to employer payroll records Electronically verify applicants’ financial accounts quickly and securely Monitor applicants’ credit throughout the mortgage process Authenticate applicants’ income with the IRS

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Xactus’ online verifications provide all the data you need to properly evaluate loan applicants’ creditworthiness quickly and efficiently.

Our automated VOE/I utilizes our direct integrations with: Experian Verify™, instant income and employment verifications powered by exclusive, industry-best data and more!

The Work Number®, a solution offered through Equifax Workforce Solutions*, and the largest collection of payroll records contributed directly by employers.*

Xactus’ Deposit Verification X and Asset Verification X 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 consumer’s financial institution(s) Obtain a clear view of the consumer’s financial balances

Thomas & Company’s wage and employment verifications, reviewing tens of millions of records spanning various industries and including many Fortune 500 companies.

Reduce the risk of costly loan buybacks or other challenges

Truv, a comprehensive platform for verifying consumers’ income quickly and accurately with real-time, direct-source data.

Get real-time monitoring of consumers’ credit activity, from the initial credit file pull through loan closing. Activate our Undisclosed Debt X to avoid surprises during the lending process.

The workflow is fully customizable and can be programmed to cascade, meaning if the employer/ income isn’t available in one instant database, another one can be checked. You can even cascade to manual verifications for those employers not found in our online databases. Xactus follows a uniform, auditable process for manual verifications, and delivers the validation you need in just 1-3 business days.

Xactus offers access to easy-to-read electronic Tax Transcripts using the 4506-C and 8821 forms.

Through our leading partnerships, transcripts can be delivered in minutes.

Determine if the Social Security number (SSN) provided by a consumer is accurate. Complete an SSA-89 form and Xactus will submit it to the Social Security Administration (SSA) to confirm that the Social Security number matches the consumer’s name on file. Make sure the form is completed with the same consumer information (name, address, date of birth, and SSN) that is included in your loan application. Xactus can perform SSA-89 validations for individual consumers or process in batches.

*Authorized Report Provider status does not imply Fannie Mae’s endorsement of Xactus products or services. * Equifax Workforce Solutions is a business unit of Equifax Inc. Xactus is an authorized reseller of products and services provided through Equifax.

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Fraud Solutions Benefits Enhance profitability by detecting fraud Validate information and identify applicant risk Identify and capture loan deficiencies throughout the loan process Protect your reputation and bottom line

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Xactus’ fraud detection solutions help reduce risk so you can make more confident lending decisions.

LexisNexis RiskView™

Our solution delivers process-driven verifications and identifies potential fraud or misrepresentations associated with applicants, collateral and professionals. It utilizes premier data sources that yield accurate validations you can be confident in.

And Fraud Report X can be easily layered into your process flow. Get the information you need without endless, unnecessary data streams to: Conduct due diligence throughout origination processing, detect inconsistencies and remediate risk Reduce the threat of mortgage fraud Our reports leverage billions of consumer and property records to return the best data and most accurate information that puts you in firm control of fraud and risk due diligence.

Applicant Information: Resolve identities and easily find variances.

Property Information: Validate property characteristics, ownership history, market influences, neighborhood activity and flipping risk.

Participant Verification: Screen professionals and applicants against our comprehensive watchlists – and even add your own.

The Liens and Judgment Report provides detailed information on the liens and judgments on file for an applicant including quantity, type, dollar amount and more. The report uses LexID®, identity linking technology which is nearly 100% reliable in ensuring the correct entity is associated with the proper record. It is also compliant with Fair Credit Reporting Act regulations.

Stop fraud at the front door by validating identities with Identity ID X – and know who your applicants are before establishing business relationships.

Gain greater confidence through independent loan risk assessments. Xactus is especially good at doing quality control audits and making sure that lenders are meeting all the requirements. Our loan reviews enable clients to make informed decisions under critical timelines. Xactus combines digital loan reviews with expert underwriting professionals who are experienced in all aspects of investor guidelines, even when they are proprietary.

Our comprehensive suite of review programs integrates analytics, advisory, quality control and forensic review solutions to help you identify and screen potential credit and collateral risk at a granular level as well as pinpoint compliancerelated issues placing your business at risk.

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Property Solutions:

Flood

Benefits Protect your investments from the costliest natural hazard Quickly assess flood risk and stay fully compliant Receive easy-to-understand, high quality flood zone reports Accurately evaluate real-time flood data

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Lenders and insurance providers face complex flood-related regulations. Xactus flood solutions are here to provide reliable, precise and fully compliant services to meet these challenges.

Letters of Map Amendments

Stay on top of flood compliance with Xactus. Our advanced geospatial technologies provide you with timely and accurate Flood Zone Determinations with multiple value-add features. We offer a variety of determination products tailored to meet your specific needs. In addition to the Standard Flood Hazard Determination Form, a detailed visual representation of the property and FEMA flood layer is provided to show why flood insurance is or isn’t required and to help you and the property owner assess flood risk. We also offer a regulatory compliant borrower’s notice, a seismic report, and a LOMA pre-qualification all for no additional fee. And with our No Close, No Pay feature, we’ll refund our fee on Life of Loan determinations associated with loans that don’t close. Xactus Flood Zone Determinations can be accessed through our API, ordered online, or via many of the most used Loan Origination Systems.

Xactus’ team of experts knows how to move complex LOMA cases through the FEMA process. All FEMA MT-1 case types are processed by certified eLOMA professionals.

LOMA processing is competitively priced and carries a can’t-be-beat guarantee: if the structure isn’t removed from the mandatory purchase requirement, we refund the fee.

Elevation Certificates

Xactus’ revolutionary elevation certificate system is completely digital resulting in efficient, effective, high-quality certifications.

Competitive, upfront pricing is easily obtained from our website, and state-licensed surveyors complete the certificate with our mobile data collection platform. Xactus uses Flood Insurance Rate Maps to accurately produce Base Flood Elevations utilizing the same methods as FEMA to avoid conflicts.

Replacement Cost Value

Lenders and insurance professionals know the importance of obtaining Replacement Cost Value (RCV). Xactus developed a 100% automated RCV estimate service for residential and commercial properties anywhere in the U.S. Using property data, regional constructions data, and industry standard methods, a RCV is created and delivered in seconds with just a property address input. And a calculator allows you to input additional data to refine the estimate at no additional cost.

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Property Solutions:

Appraisal

Benefits Enhance profitability with accurate appraisals and realtime property insights Receive fast and accurate property valuations Easily manage your own appraisal process

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Xactus’ property appraisal solutions allow you to keep up and comply with today’s appraisal regulations, while accelerating loan production and underwriting.

Appraisal X by Xiris Valuations

AMC Services

Appraisal X allows you to quickly and efficiently manage risk and enhance your profitability with accurate appraisals and real-time property insights. With Appraisal X, you can manage and track appraisals, obtain fast and accurate property estimates, and manage your own appraisal process so you can make more confident lending decisions.

Manage and track appraisal orders through automation while meeting compliance requirements. Our suite of products enables you to customize the appraisal plan that’s right for your lending team and provides peace of mind knowing your appraisers are operating with full independence.

Our Valuation Model X offers the latest real estate data and valuation technologies to provide accurate property valuation estimates. Our cascade option automatically obtains the most accurate Valuation Model X in your geographic area, enabling you to maximize your hit rates.

Mobile Property Inspection Solution and Collateral Data Reports

Administer your own appraisal process through the Appraisal Firewall X appraisal management solution, a Xactus product. Our online, secure appraisal platform can improve your processing efficiency and speed up your loan originations. You can also interact directly with your trusted, local appraisers and Appraisal Management Companies. Appraisal Firewall X helps you comply with appraisal regulations while accelerating loan production and underwriting.

Efficiently obtain interior and exterior photo and video inspections within minutes. Our Verisite X product utilizes cutting-edge mobile technology for real-time property inspection reports and collateral valuation data. Homeowners, borrowers, appraisers, inspectors, real estate agents, and other property data collectors/ gatherers can even take and submit property pictures, videos and data. Verisite X then combines this current data with historical property data to provide current, comprehensive property inspections for faster lending decisions.

Modernize your appraisal review process and ensure accuracy. Our technology reviews your appraisals before underwriting to catch any issues with appraisal completeness, subject property data, comparable sales, regulatory, mortgage insurer and investment requirements.

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Collaborate More with Xactus We invite you to lean on our expertise to create greater efficiencies in your lending operation. Our award-winning, seasoned team of fintech and mortgage professionals has a strong track record of achieving major accomplishments.

Let us closely consult with you to strategically review your processes and help you better manage milestones, eliminate data waste, improve workflows, optimize outcomes, and enhance margins.

BACK COVER

Advance the Modern Mortgage with Xactus To learn more about how Xactus can help you make better mortgage decisions faster with our comprehensive suite of mortgage data solutions, contact your strategic account manager or email sales@xactus.com.

370 Reed Rd., Suite 100 Broomall, PA 19008

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(888) 212-4200 sales@xactus.com xactus.com