Stacc Mortgage Suite

A modern and highly automated mortgage experience

Stacc Mortgage Suite empowers mortgage providers to automate all applications, customer onboarding, credit processes, payouts and lifecycle handling of loans with a modular mortgage origination and servicing suite.

Powered by an enterprise grade solution and AI capabilities, Stacc Mortgage Suite helps mortgage providers in winning more high-quality leads in less time and 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 metrics

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    Underwriting metrics

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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 score

  • 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 Suite modules are trusted by 70+ banks and 2,000+ advisors

Proven business impact delivered with Stacc Mortgage Suite

Win more high-quality mortgage leads
in less time and lower cost

50-75% faster application-to-approval journeys

Don't just meet customer expectations.


Exceed them.

Go from 14 days application-to-approval time to minutes, or up to 48 hours in the most complex cases.

50-75% faster application-to-approval journeys

Don't just meet customer expectations.


Exceed them.

Go from 14 days application-to-approval time to minutes, or up to 48 hours in the most complex cases.

50-75% faster application-to-approval journeys

Don't just meet customer expectations.


Exceed them.

Go from 14 days application-to-approval time to minutes, or up to 48 hours in the most complex cases.

All of this while enabling 100% compliance and limitless innovation

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.

A fully enterprise grade solution

A fully enterprise grade solution

Scalable

Scale to a bank of any size with Stacc’s solutions, which handle more than 1,500 simultaneous case workers and 3 million credit applications per customer installation per year by combining standard modules with customer-specific configurations.

Reliable

Transform digitally with performance you can rely on, proven over Stacc’s 280+ customers, including Nordic Tier 1 banks, and 40+ years of experience.

Stacc offers 24/7/365 SaaS SLAs with dedicated customer teams and ISO 9001 certified quality management, standard project methodology and a Stacc DNA to always deliver.

Flexible

Automate at your own pace with flexibility in architecture, process optimalisation and credit optimalisation.

Stacc is cloud and data agnostic, offering an extensive service catalogue of third-party integrations and configurable templates for fast time-to-market, as well as exhaustive self-service for business rules editing and simulation tools.

Secure

Secure your data with bank grade security. Stacc’s platform features robust authentication and authorization protocols plus end-to-end encryption to protect data in transit and rest.

Stacc's ISO 27001 certification and SOC 2 Type 2 report (coming) demonstrate our commitment to maintaining rigorous information security management.

Compliant

Meet stringent industry regulations and standards with Stacc’s platform, enabling 100% compliance.

The platform adheres to GDPR, with clear data retention policies and extensive logging and reporting capabilities to ensure transparency and aid in audits and regulatory reviews.

Key features

Customer-centric and hassle-free mortgages

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

Automated credit decisions aligned with your own business and policy rules across multiple parameters. ​

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

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

Automated credit decisions aligned with your own business and policy rules across multiple parameters. ​

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

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

Automated credit decisions aligned with your own business and policy rules across multiple parameters. ​

Edit rules with complete version history and audit trail. Plug in any AI model 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 1,000+ combinations of products, interest rates, pledges, collaterals and borrowers.

Any mortgage product

  • 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

  • Ticket-based interest

  • Interest-only period

  • Payment holiday

  • Tracker Mortgage

  • And more…

Any pledge and collateral

  • 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)

Ready-made templates for all customer channels

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.

Standard implementation timeline.

4-6 weeks

4-6 months

Boom

Continous

4-6 weeks

Pre-study

Pre-study

  • Customer journey mapping

  • Process specification

  • Mapping of integrations

  • Scope & implementation plan

  • Proof of value

4-6 months

Implementation

Implementation

  • Setup infrastructure

  • Software installation and configuration

  • Integrations establishment

  • Training of super users

  • Testing and acceptance

Boom

Go-live

Go-live

  • Rollout of the new solution

  • We ensure flawless and transparent operations

  • Hypercare monitoring

Continous

Operational

Operational

  • Daily operations with Stacc support

  • Continuous maintenance services and technical upgrades

  • Bringing you modern innovations at your own pace

Discover more

Discover more

Explore other Consumer Finance solutions by Stacc

Explore other Consumer Finance solutions by Stacc

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 Suite integrate with existing systems?

Does Stacc Mortgage Suite integrate with existing systems?

Does Stacc Mortgage Suite integrate with existing systems?

What are the key components of Stacc Mortgage Suite?

What are the key components of Stacc Mortgage Suite?

What are the key components of Stacc Mortgage Suite?

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

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

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

Get in touch

Get in touch

Ready to transform your mortgage offering?

Ready to transform your mortgage offering?

Experience the modern and highly automated value of Stacc Mortgage Suite

Experience the modern and highly automated value of Stacc Mortgage Suite