Stacc Mortgage Origination

Modular, highly automated and intelligent mortgages

Stacc Mortgage Origination empowers mortgage providers to automate all applications, customer onboarding, credit processes and payouts of loans with a cloud-native, API-first and highly composable mortgage origination solution.

Take advantage of the latest technologies and AI capabilities with a fully enterprise- and bank-grade solution, thereby winning more high-quality mortgage applications in less time and at lower cost.

Mortgage simplicity and flexibility

  • Automate

    Processes

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    Orgination and onboarding

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    Credit decisions

  • Decisions

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    Business rules across multiple parameters

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    Underwriting thresholds

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    Automated credit decisions

  • Underwrite

    Liquidity

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    Max loan amount

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    Granular household expenses

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    Stacc Affordability API

  • Collaterals

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    Extensive selection of collaterals built in

  • Advise

    Inbox

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    Task-based advisor inbox

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    All relevant info available for the task

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    Task summary per case

  • Decisions

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    All relevant info in one view

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    Decision options

  • Disbursement

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    Task based disbursement control

  • Serve

    Customer channels

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    My page

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    Documentation and dialogue

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    Integrated chat

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    API-support

Stacc Mortgage Origination modules are trusted by 70+ banks and 2,000+ advisors

Proven business impact delivered with Stacc Mortgage Origination

Proven business impact delivered with Stacc Mortgage Origination

Win more high-quality mortgage applications.
In less time. At lower cost.

Win more high-quality mortgage applications.
In less time. At lower cost.

All of this while enabling 100% compliance and limitless innovation

50-75% faster application-to-approval journeys

Don't just meet borrower expectations. Exceed them.

Go from 2 weeks application-to-approval time to mere minutes in most cases and hours in the most complex mortgage cases.

100% end-to-end origination automation supported

No more fragmented, manually driven process across multiple systems.

Choose a modern, highly automated and intelligent process with all information in one accurate and reliable system.

80%+ reduction in advisor handling time per manual case

Handle deviations in task-based manner with all relevant information collected in one view for the case handler, often boosting case handler efficiency by 5-7x.

Save more than 1 hour per complex case handled. Powered by AI.

20-300% boost in application conversion

Delight your customers with a modern experience and feel the tangible effects on your portfolio.

Our customers typically see gains to application conversion from 20% or up to 300% in selected cases (with same staff), while reducing support center demand on application updates.

1-click audit trail

All data and documentation collected in the application, onboarding and credit process will be stored at the case in one, modern system for later audits.

The time to provide a complete audit trail for any application is literally the time needed to search and load the customer origination data.

50-75% faster application-to-approval journeys

Don't just meet borrower expectations. Exceed them.

Go from 2 weeks application-to-approval time to mere minutes in most cases and hours in the most complex mortgage cases.

100% end-to-end origination automation supported

No more fragmented, manually driven process across multiple systems.

Choose a modern, highly automated and intelligent process with all information in one accurate and reliable system.

80%+ reduction in advisor handling time per manual case

Handle deviations in task-based manner with all relevant information collected in one view for the case handler, often boosting case handler efficiency by 5-7x.

Save more than 1 hour per complex case handled. Powered by AI.

20-300% boost in application conversion

Delight your customers with a modern experience and feel the tangible effects on your portfolio.

Our customers typically see gains to application conversion from 20% or up to 300% in selected cases (with same staff), while reducing support center demand on application updates.

1-click audit trail

All data and documentation collected in the application, onboarding and credit process will be stored at the case in one, modern system for later audits.

The time to provide a complete audit trail for any application is literally the time needed to search and load the customer origination data.

50-75% faster application-to-approval journeys

Don't just meet borrower expectations. Exceed them.

Go from 2 weeks application-to-approval time to mere minutes in most cases and hours in the most complex mortgage cases.

100% end-to-end origination automation supported

No more fragmented, manually driven process across multiple systems.

Choose a modern, highly automated and intelligent process with all information in one accurate and reliable system.

80%+ reduction in advisor handling time per manual case

Handle deviations in task-based manner with all relevant information collected in one view for the case handler, often boosting case handler efficiency by 5-7x.

Save more than 1 hour per complex case handled. Powered by AI.

20-300% boost in application conversion

Delight your customers with a modern experience and feel the tangible effects on your portfolio.

Our customers typically see gains to application conversion from 20% or up to 300% in selected cases (with same staff), while reducing support center demand on application updates.

1-click audit trail

All data and documentation collected in the application, onboarding and credit process will be stored at the case in one, modern system for later audits.

The time to provide a complete audit trail for any application is literally the time needed to search and load the customer origination data.

Take comfort in working with 200+ credit and tech experts with more than 40 years of experience in the credit domain - focused on the advanced needs of mortgage providers.

We have done this hundreds of times.
For decades.

Take comfort in working with 200+ credit and tech experts with more than 40 years of experience in the credit domain - focused on the advanced needs of mortgage providers.

We have done this hundreds of times.
For decades.

Take comfort in working with 200+ credit and tech experts with more than 40 years of experience in the credit domain - focused on the advanced needs of mortgage providers.

We have done this hundreds of times.
For decades.

Key features

Customer-centric and intelligent mortgages

We have everything you need to streamline mortgage origination and servicing.

Decision Engine Editor

Decision Engine Simulator​

Embedded AI​

Credit Process Tool​

Enable real-time credit decisions aligned with your own business and policy rules across multiple parameters, specific to various countries and segments, with Stacc's Gartner® recognised Credit Decision Engine.

Edit rules with complete version history and audit trail. Plug in any AI model or inputs as part of the decision process.​

Conduct A/B tests with your decision rules to optimise performance and drive better outcomes.

Decision Engine Editor

Decision Engine Simulator​

Embedded AI​

Credit Process Tool​

Enable real-time credit decisions aligned with your own business and policy rules across multiple parameters, specific to various countries and segments, with Stacc's Gartner® recognised Credit Decision Engine.

Edit rules with complete version history and audit trail. Plug in any AI model or inputs as part of the decision process.​

Conduct A/B tests with your decision rules to optimise performance and drive better outcomes.

Decision Engine Editor

Decision Engine Simulator​

Embedded AI​

Credit Process Tool​

Enable real-time credit decisions aligned with your own business and policy rules across multiple parameters, specific to various countries and segments, with Stacc's Gartner® recognised Credit Decision Engine.

Edit rules with complete version history and audit trail. Plug in any AI model or inputs as part of the decision process.​

Conduct A/B tests with your decision rules to optimise performance and drive better outcomes.

Home, sweet home

A robust solution for modern mortgage automation

Built for 100% straight-through-processing. Handles real-life complexity with all combinations of products, interest rates, collaterals and borrowers.

Any mortgage products and processes

  • New Mortgage

  • Mortgage Refinancing

  • Proof of Finance

  • Changes to Mortgage

  • Move Mortgage

  • Second Home Mortgage

  • Construction Loan

  • Green Mortgage

Any interest rate

  • Liquid rate

  • Fixed rate

  • Loan-to-value rate

  • Ticket-based interest

  • Interest-only period

  • Grace period

  • Tracker Mortgage

  • And more…

Any collaterals

  • Primary home

  • Secondary home

  • Cabin

  • Housing cooperative share

  • Housing company share

  • Deed of assignement

  • Motor vehicles

  • Fleet

  • Equipment

  • Boats

  • Aircrafts

  • Movables

  • Securities account

  • Stocks

  • Deposits

  • Monetary claims

  • Deposits

  • Aquaculture

  • Agriculture harvesting

  • Commercial real estate

  • Ship/vessel

Any borrower

  • Single borrower

  • Two borrowers

  • Multiple borrowers

  • Guarantor(s)

Composable banking

Composable banking

Pick 1, 2 or 3 products. And up to 20 modules per product.

Pick 1, 2 or 3 products. And up to 20 modules per product.

Select some or all products in Stacc Mortgage Suite to compose your own mortgage offering. Pick the most suitable modules within each product for your institution.

Select some or all products in Stacc Mortgage Suite to compose your own mortgage offering. Pick the most suitable modules within each product for your institution.

Enterprise-ready. Bank-grade by default.

Enterprise-ready. Bank-grade by default.

Digital transformation with bank-grade security, scalability and compliance

Digital transformation with bank-grade security, scalability and compliance

Stacc powers mission-critical workflows for Tier 1 leaders

Stacc powers mission-critical workflows for Tier 1 leaders

Security and compliance you can trust

  • ISO 27001 certified with SOC 2 Type II report available in 2025

  • GDPR, NIS 2, DORA, EU AI Act, financial and ICT regulations

  • Custom instance with time-sensitive reporting plus extensive logging and audits

  • DevSecOps & CI/CD pipeline security, GRC platform, pen testing and continuous policy & risk monitoring

Scalable and flexible platform

  • Cloud- and API-native platform built for scale to any size

  • Supports 3M+ credit applications/year and 1,500+ concurrent users per installation with existing customers

  • End-to-end lifecycle with support for multi-country, multi-currency, multi-asset and multi-credit type

Integration-friendly and fully agnostic

  • Extensive service catalogue of 200+ pre-built integrations

  • Core, cloud and data agnostic, built for fast time-to-market

  • Self-serve, low-code/no-code configuration, tools and workflows

Proven reliability

  • 40+ years of domain experience

  • 280+ customers, including Nordic Tier 1 banks

  • ISO 9001 certified quality management

  • 24/7/365 SLA-backed SaaS delivery with 99.95% uptime guarantees available

Channel-agnostic journeys and support for all channels

Provide mortgage applicants the comfort of starting an application in any channel - and complete it any channel.

Customer application

Best-practice starting point for a user-friendly mortgage application.

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eID

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eID

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eID

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e-Signatures

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e-Signatures

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e-Signatures

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Data & documentation

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Data & documentation

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Data & documentation

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AML & KYC checks

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AML & KYC checks

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AML & KYC checks

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Credit scoring

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Credit scoring

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Credit scoring

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Stacc Affordability API

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Stacc Affordability API

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Stacc Affordability API

MyPage

A self-service portal where customers can track manage their application or running mortgage.

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Track application status

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Track application status

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Track application status

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Request refinancing

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Request refinancing

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Request refinancing

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Request interest-only period or payment holiday

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Request interest-only period or payment holiday

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Request interest-only period or payment holiday

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Make additional payments

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Make additional payments

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Make additional payments

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Change due date

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Change due date

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Change due date

Touchpoints

Additional touchpoints to support customer connection.

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Customer chat

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Customer chat

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Customer chat

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SMS/E-mail notification

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SMS/E-mail notification

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SMS/E-mail notification

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Automated reminders

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Automated reminders

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Automated reminders

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API-integrations with 3rd party platforms

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API-integrations with 3rd party platforms

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API-integrations with 3rd party platforms

New mortgage software shouldn’t take years to implement

Deliver business-value in record-time. Over time.

Deliver business-value in record-time. Over time.

Stacc Mortgage Origination has a standard SaaS implementation timeline of up to 6 months.

4-6 weeks

4-6 months

Launch

Continuous

4-6 weeks

Pre-study

Pre-study

Pre-study

  • Customer journey mapping

  • Process specification

  • Mapping of integrations

  • Scope & implementation plan

  • Proof of value

4-6 months

Implementation

Implementation

Implementation

  • Setup custom cloud instances

  • Software installation and configuration

  • Integrations establishment

  • Training of super users

  • Testing and acceptance

Boom

Launch

Launch

Go-live

Go-live

Go-live

  • Rollout of the new solution

  • We ensure flawless and transparent operations

  • Hypercare monitoring

Continous

Operations

Operations

Operations

  • Daily operations with Stacc support

  • Continuous maintenance services and technical upgrades

  • Bringing you modern innovations at your own pace

Stacc Mortgage Origination Benefits Analysis

Stacc Mortgage Origination Benefits Analysis

We started the business case for you

See how Stacc could transform your financial institution based on your data and our results from existing Stacc customers.

Estimated total annual pre‑tax benefits (EUR) with Stacc Mortgage Orgination
Efficiency gains
€11.5M
Commercial benefits
€26.7M
IT system savings
€4.4M
Total benefits
€42.6M
Your mortgage portfolio data
Currency
Full‑time advisors
Handling origination
NIM
Net Interest Margin
IT systems replaced
Number of systems
Monthly gross addition
Millions EUR
Numbers above represent a starting‑point to explore how much value could be created with Stacc Mortgage Orgination
Assumptions: Fully loaded cost per full-time advisor of €92 000, Operational efficiency gains of 50%, Application conversion boost of 20% and Cost per system retired of €736 000.
The information provided by Stacc Mortgage Orgination Benefits Calculator is an estimate for general informational purposes only, provided in good faith. Stacc does not guarantee results.

FAQ

How can I efficiently manage my mortgage applications and mortgage portfolio?

How can I efficiently manage my mortgage applications and mortgage portfolio?

How can I efficiently manage my mortgage applications and mortgage portfolio?

How does Stacc ensure security and compliance?

How does Stacc ensure security and compliance?

How does Stacc ensure security and compliance?

Does Stacc Mortgage Origination integrate with existing systems?

Does Stacc Mortgage Origination integrate with existing systems?

Does Stacc Mortgage Origination integrate with existing systems?

What are the key components of Stacc Mortgage Origination?

What are the key components of Stacc Mortgage Origination?

What are the key components of Stacc Mortgage Origination?

What is the ROI of a mortgage management software like Stacc Mortgage Origination?

What is the ROI of a mortgage management software like Stacc Mortgage Origination?

What is the ROI of a mortgage management software like Stacc Mortgage Origination?

Book a demo

Book a demo

Ready to transform your mortgage offering?

Ready to transform your mortgage offering?

Experience the modern, highly automated and intelligent value of Stacc Mortgage Origination

Experience the modern, highly automated and intelligent value of Stacc Mortgage Origination

Disclaimer: GARTNER is a registered trademark and service mark of Gartner, Inc. and/or its affiliates in the U.S. and internationally and is used herein with permission. Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner’s research organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.

Stacc has been recognised by Gartner© as 1 out of 8 named Sample Vendors globally of Credit Decision Engines in the recent publication by the research firm: Hype Cycle™ for Bank Lending, 2025, published on July 28, 2025, by analyst Derek Frost.

Stacc has been recognised by Gartner© as 1 out of 8 named Sample Vendors globally of Credit Decision Engines in the recent publication by the research firm: Hype Cycle™ for Bank Lending, 2025, published on July 28, 2025, by analyst Derek Frost.