Xactus Review 2026: Largest Mortgage Credit Verification Provider
Updated February 2026
Overview
Xactus (formerly known as Credit Plus, then Avantus) is the largest mortgage verification provider in the United States. After a series of mergers and rebrandings, Xactus now offers a comprehensive suite of credit, verification, flood, fraud, and tax services under one roof. They serve thousands of lenders and process millions of reports annually.
Best for: Mid to large lenders who want a single provider for credit, verifications, flood, and fraud services with enterprise-grade reliability.
Key Features
- ✓Tri-merge credit reports
- ✓Employment & income verification (VOE/VOI)
- ✓Flood zone determinations
- ✓Fraud detection & identity verification
- ✓IRS tax transcript services
- ✓Automated re-scoring
- ✓LOS integrations (Encompass, Byte, Calyx)
- ✓Property & title reports
Pricing
Xactus pricing varies by volume and service bundle. Tri-merge reports typically range from $20-50. Volume discounts are significant for high-volume lenders. Contact Xactus for a custom quote based on your monthly pull volume.
Pros
- +Largest verification provider (scale & reliability)
- +Comprehensive one-stop-shop for credit + verifications
- +Strong LOS integrations across all major platforms
- +Dedicated account management
- +Fast turnaround times
Cons
- –Rebranding from Credit Plus to Avantus to Xactus caused confusion
- –Pricing can be higher than smaller competitors
- –Large company feel (less personalized for small shops)
- –Interface is functional but not modern
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Alternatives to Xactus (formerly Credit Plus / Avantus)
CoreLogic Credco
Lenders already in the CoreLogic ecosystem or those who want premium credit reporting backed by extensive property data.
Informative Research
Lenders who want a one-stop shop for credit, flood, and verification services with bundled pricing discounts.
Factual Data (CBC Innovis)
Cost-conscious brokerages and lenders who want reliable credit reporting at the lowest price point.
Universal Credit Services
Brokerages that value personalized service and a direct relationship with their credit vendor over big-company automation.
Birchwood Credit Services
Mid-volume brokerages looking for a reliable credit vendor with personalized service and competitive pricing.
Certified Credit
Tech-forward lenders who want a modern credit platform with automated workflows and comprehensive bundled services.