Xactus Acquires Mortgage Credit Link, Expands Verification Platform Strategy

Xactus has acquired Mortgage Credit Link (MCL) from MeridianLink and rebranded the platform as XedaLink, expanding the company’s push into integrated mortgage verification and fulfillment infrastructure.

The newly branded XedaLink will operate as an independent subsidiary of Xactus, continuing to provide credit and verification ordering services from application through closing while maintaining its existing client and partner relationships.

“As the market continues to evolve, so must the way we support it,” said Perry Steiner, founder and CEO of Xactus. “With XedaLink, we are building on that foundation to deliver greater access and impact across the ecosystem.”

Mortgage Credit Link has operated as a web-based order fulfillment hub designed to streamline credit and verification data ordering throughout the mortgage process. Xactus said the acquisition supports its broader strategy of building a connected ecosystem of verification and data capabilities while preserving flexibility and optionality for lenders.

“Our clients need solutions that are connected and adaptable to how they operate,” said Shelley Leonard, president of Xactus. “Adding XedaLink as an independent subsidiary allows us to continue delivering greater flexibility, optionality, and value for our clients.”

For lenders, the competitive focus is increasingly shifting beyond simply obtaining borrower data toward improving how efficiently that information moves through the origination process. 

XedaLink will continue operating within its existing framework while benefiting from Xactus’ infrastructure and technology investments.

Xactus was advised by Kirkland & Ellis and McDonald Hopkins, with financing provided by JPMorgan Chase. Financial terms of the transaction were not disclosed.

*This article was drafted with AI assistance and reviewed and edited by a human editor before publication.