According to the company, the service greatly reduces application hosting fees and eliminates the cost of maintaining a database, while providing all the necessary Mortgage Loan Origination Software API functionality for a low, flat, monthly fee.
 
Some of the features of the service include:
WS-* Standards - authentication and authorization are being enforced through the WS-Security Username Token industry standard. Client applications have the option of passing the credentials either as Digest or Plain Text.

Two Distinctive Versions - clients have the option of consuming two distinctive versions of the Web Service featuring:
- Authentication / Authorization: WS-Security for Version 2 and SOAP Headers for Version 1
- Request / Response: Complex Types for Version 2 and Primitive Types (Version 1)

 Administrative Functionality - The administrative tool for the XWeb1003 Web Service lists all Mortgage Loan Applications in your account (applications queue), as well as full details about each individual Home Loan application.

Retrieve Only What You Need - the Web Service's SOAP Methods return a specific Mortgage Loan Application, all Mortgage Loan Applications and Applications posted within a specific date range; "pagination" of the results on the server side is also provided.

Routing - to facilitate the routing of applications in offices with multiple Loan Officers, the XWeb1003 Web Service exposes SOAP Methods that return Loan Applications filtered by a specific Mortgage Broker / Loan Officer.

 
The XWeb1003 Web Service features a 30-day free trial period, beyond which the company offers three subscription options.