Xactus vs Data Facts
Verification & Data head-to-head · axis by axis, same rubric for both
Lovell Minnick Partners
Verification & Data
| Axis | Xactus | Data Facts |
|---|---|---|
| Production impact | 4.3 | 2.1 |
| Functionality & depth | 4.4 | 2.3 |
| Integrations & ecosystem | 4.4 | 2.3 |
| Adoption & support | 3.8 | 2.6 |
| Return on spend | 4.0 | 2.3 |
| Overall | 4.2 | 2.3 |
Xactus wins 5 of 5 axes. Same rubric, same weights, no sponsorships.
What the rubric says
Xactus and Data Facts are both scored in Verification & Data. Xactus carries an overall of 4.2, Data Facts an overall of 2.3. The widest gap between them is Production impact, at 2.2 of a point. That axis measures whether the tool moves volume, pull-through or cycle time. Xactus takes it, 4.3 to 2.1.
Where the five axes separate
On Production impact the record favours Xactus, 4.3 against 2.1. On Integrations and ecosystem the record favours Xactus, 4.4 against 2.3. On Functionality and depth the record favours Xactus, 4.4 against 2.3. On Return on spend the record favours Xactus, 4 against 2.3. On Adoption and support the record favours Xactus, 3.8 against 2.6.
Pricing posture
Xactus does not publish pricing. Its listed model is quote only, typically bundled across products. Data Facts does not publish pricing. Its listed model is quote only.
Deployment and who each one targets
Deployment for Xactus: Cloud, the Xactus360 platform with LOS, POS, CRM and servicing integrations. Deployment for Data Facts: Cloud, ordered through LOS integrations or a web portal. Segment focus for Xactus: Lenders consolidating credit, verification, flood and property data under a single supplier. Segment focus for Data Facts: Community banks and credit unions that buy mortgage credit and employment screening from the same. The two entries name different buyers.
What each record credits
Xactus: Single-vendor breadth spans credit, verifications, flood, fraud QC and property valuation. Xactus: Lovell Minnick backing and still acquiring: XedaLink bought Mortgage Credit Link May 2026. Xactus: Xactus360 is one platform across the set, not separate portals per acquired brand. Data Facts: One vendor covers lending and employment screening, which suits banks and credit unions. Data Facts: Publishes direct connections to Fannie Mae DU and DO and Freddie Mac LPA. Data Facts: Flood certifications fulfilled through ServiceLink against current FEMA data.
What each record holds against them
Xactus: Not one LOS or POS partner is named publicly, only integration counts. Xactus: Depth varies across acquired lines; several divisions’ product pages carry little specification. Xactus: Uptime figure and integration counts are company claims with no independent verification. Data Facts: Short, dated LOS list, still naming Ellie Mae ePASS and Byte 2.0. Data Facts: The homepage leads with background screening; mortgage buyers dig to find lending. Data Facts: No pricing published and no ownership or parent detail disclosed.
Which one fits which shop
Best fit for Xactus: Shops trying to collapse four or five data vendor relationships into one contract. Best fit for Data Facts: An institution consolidating mortgage credit and background screening under one contract.
What each entry concludes
Xactus: Xactus is what a decade of credit reseller consolidation looks like when it finishes. Xactus: Avantus, CIS Credit Solutions, Universal Credit Services, Credit Plus, DataFacts and SharperLending all live inside it. Data Facts: Data Facts runs two businesses under one roof: background and tenant screening, and a mortgage lending division. Data Facts: The lending side sells credit reports, verifications, fraud prevention, appraisal tools, flood certifications through ServiceLink, and portfolio monitoring.
The short answer
Xactus finishes ahead on the published rubric, 4.2 to 2.3. The margin comes mostly from Production impact. Same rubric, same weights, no sponsorships.
Both tools are scored on the same weighted rubric, production impact carries the most weight. Comparisons are never sponsored. Disclosure →