TMO integrates with Xactus to bring borrower credit and verification data into your workflow across origination and servicing — soft or hard pull, all without leaving the platform. 

The Xactus Difference:

Soft and Hard Pull Options 
Pull borrower credit on your terms — run a soft pull early in the process or a hard pull at decision, all initiated directly from TMO. 

Comprehensive Borrower Insights 
Access credit, income, and asset verification data in one place to build a complete borrower profile without switching systems. 

Faster Underwriting Decisions 
Immediate access to verified borrower data means less back-and-forth and faster time to decision. 

Improved Data Accuracy 
Capture borrower information directly from verified sources — minimizing manual entry and reducing errors. 

Portfolio-Wide Consistency 
Standardize how your team pulls and evaluates borrower data across every loan and every underwriter.