It's the manual work between intake and decision. That's what slows your time-to-yes.
80% of mortgage files arrive incomplete
Dozens of documents per file, checked by hand
Credit policy applied from memory, case by case
Meet Herman, your AI credit analyst
Herman reads the loan file, checks every data point, applies your credit policy and prepares a decision-ready case for your analyst. When a document is missing, Herman flags it at intake, so it goes back to the broker or branch before it holds up underwriting. Every step is logged, and every recommendation links to its evidence.
No rip-and-replace. Herman plugs into your existing loan origination system through an API, through email and Microsoft Teams, or through the screens your team already uses. You are in production within months, not years.
of underwriting tasks handled without manual intervention
Built for regulated European lenders
In one storage boundary: the Briefcase, inside your tenancy. Documents, extracted data and outputs live in a single isolated store, never used for training. You define retention; a temporary mode deletes everything after each run.
No. Herman prepares a decision-ready case with every conclusion linked to its evidence and policy reference. Herman does not approve or reject loans.
It depends on what Herman does for you. Document checks, such as completeness, consistency and rule checks, are preparatory tasks and are not high-risk under the EU AI Act. When Herman supports the credit assessment itself, we treat it as a high-risk use case and build it for those rules: human oversight, logging and explainable outputs. We share our assessment with your risk team.
Every recommendation is explainable and linked to its evidence and the policy rule behind it. Every step is logged.
No. Herman does not do credit scoring. He applies your written credit policy the same way to every file, not an opaque score on borrower characteristics.
ISO 27001 certified, DORA-ready, GDPR by design, with the contractual framework regulated lenders need: audit rights, an exit plan and incident reporting.
More than 25 financial institutions work with Oper.
Thanks to Oper's innovative software solutions, we are successfully digitizing our mortgage origination process and making it future-proof. The implementation went smoothly and quickly within just 8 weeks, thanks to the flexibility and commitment of the Oper team.
Klaus KumpfmüllerCEO at HYPO Oberösterreich
At Onesto, our mission goes beyond granting loans. We aim to ensure that families can not only buy a home, but continue to live in it affordably in the long term. By integrating AI into our document analysis process, we free up valuable time for our experts to focus on each applicant’s specific situation. Herman supports our team in handling administrative complexity, so we can invest more attention in responsible lending and in connecting borrowers to renovation advice through our One-Stop Shop model.
Hans VermeulenCEO at Onesto
Oper’s capabilities to tailor their solution to our specific needs exceeded our expectations and were further reflected during their thorough and professional onboarding process. We are more than excited for the full roll-out to our 1000+ agents and can’t wait to get additional value out of the Oper platform.
Attila SoósDeputy CEO at Fundamenta-Lakáskassza
The new online mortgage application process significantly improved Bank Cler’s ability to distribute mortgages digitally. Compared to our previous channel, our reports show increasing volumes and a higher conversion rate.
Yannick GrandjeanDigital Banking Manager at Bank Cler
Our credit application tool Creanet 2.0, developed by Oper Credits, facilitates a paperless, smooth, and workflow-driven origination process that enables us to expand our business. Furthermore, the Oper Credits team is very responsive to our needs and is value-added.
