Features You Can Count On

XetusOne brings together the many different parties to a loan — originators, mortgage brokers, and service providers — to improve efficiency and accuracy across the life of the application, from loan origination through closing and secondary marketing.

XetusOne includes these potent features:

Electronic loan folder

- the XetusOne folder interface organizes loan data and workflow, backed by a relational database in a SAS-70 compliant environment 

Pipeline transparency

- participants throughout the process can see what they need from a common data set, thanks to a central server 

Borrower collaboration

- borrowers can help complete the application, see their credit report, and receive imaged pre-disclosures live on the initial call 

Data integrity and compliance

- XetusOne enforces internal data consistency and provides audits at each step of processing 

Data capture

- XetusOne imports existing loan data in all the industry-standard data formats; XetusOne retrieves reports for standard services such as credit, automated underwriting, and mortgage insurance 

Image capture

- users upload and fax images directly into the electronic loan folder; supporting professionals contribute to the loan folder via secure fax delivery 

Integrated services

- web services integrations provide one-stop credit, automated underwriting, mortgage insurance, valuation, docs, and more 

Integrated initial disclosures

- XetusOne includes the full Harland GreatDocs form library 

Compliant document sets

- one click returns fully compliant closing sets from leading document-preparation vendors 

Secure document delivery

- our flexible web tool delivers documents to employers or depositories - even directly to the closing table 

Audit trail

- XetusOne captures comments by participants and keeps a record of key changes to the data 

Workflow

- XetusOne marks milestones, schedules tasks, and alerts users at critical steps 

Reporting and exporting

- XetusOne provides several different flexible reporting options and exports loans in all industry-standard formats 

HMDA compliance

- XetusOne supports detailed Loan Application Register report data and connects to third-party compliance services 

Flexible administration

- administrators set user privileges and control access to vendor services