Stacc Mortgage Suite

Modular, highly automated and AI-assisted mortgages

Cloud-native, API-first and composable: mortgage origination from inquiry to disbursement, and mortgage management across the lifecycle.

Win more high-quality mortgage applications in less time and at lower cost. Grant borrowers digital-first, self-serve and human-like experiences. Provide underwriters and advisers a single view of the cases that need their attention.

Request a Demo

Visit Trust Center

Graphic illustration of small house module

Stacc Mortgage Suite

Modular, highly automated and AI-assisted mortgages

Cloud-native, API-first and composable: mortgage origination from inquiry to disbursement, and mortgage management across the lifecycle.

Win more high-quality mortgage applications in less time and at lower cost. Grant borrowers digital-first, self-serve and human-like experiences. Provide underwriters and advisers a single view of the cases that need their attention.

Request a Demo

Visit Trust Center

Graphic illustration of small house module

Stacc Mortgage Suite

Modular, highly automated and AI-assisted mortgages

Cloud-native, API-first and composable: mortgage origination from inquiry to disbursement, and mortgage management across the lifecycle.

Win more high-quality mortgage applications in less time and at lower cost. Grant borrowers digital-first, self-serve and human-like experiences. Provide underwriters and advisers a single view of the cases that need their attention.

Request Demo

Trust Center

Graphic illustration of small house module

Trusted by 70+ banks and 2,000+ underwriters

End-to-end mortgage operations on one platform

End-to-end mortgage operations on one platform

Overview

Automation that scales, underwriting that handles the rest

Whether the application arrives from an intermediary or through the bank's own channels

Automating a high share of tasks across all process steps of mortgage lending

Application intake across channels

Automatic credit score

Credit decision & proposal

Document production, signing and collateral registration

Disburse and transfer to core

Loan
management

Loan management

Deviation management: for tasks that don't fit the automatic path

Mortgage Underwriting: for the most complex affordability and collaterals analysis

UNDERWRITERS only see tasks that genuinely need them

What changes when you run mortgages on Stacc

FROM

TO

Narrow automatic track where manual cases stay manual

Automation widens; underwriters focus only on what needs them

Fragmented systems with handoffs and rekeying

One composable platform across channels, brands and the entire mortgage process

AI bolted on, as a separate channel or stand-alone reasoning

AI where it adds value, business rules where precision matters

Credit policy change means a project and queue

Business owns the rules, simulates and goes live

Compliance layered on top

Compliance built inside the process, with one audit trail

Composable mortgage software

Compose your own mortgage solution with 1, 2, 3 or 4 products

Each product is API-native. Configure them standalone or in combination — whatever fits your stack.

Proven business impact

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

Without compromising compliance, security or pace of innovation.

50-75% faster application-to-approval journeys

Borrowers move from application to approval in minutes or hours, not weeks. Digital-first, human-like, self-serve. Proactive updates instead of call-centre silence.

Fast borrower experience, even on the hard cases: the underwriter arrives ready, focused on the topics that matter.

Automation by default, manual by exception

One platform — no fragmented systems, no rekeying. Every case follows the same rules, the same audit trail and the same compliance.

The business owns the decision rules. Rule changes are simulated, staged and shipped — without waiting in a development queue.

80%+ reduction in 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

Borrowers move from application to approval in minutes or hours, not weeks. Digital-first, human-like, self-serve. Proactive updates instead of call-centre silence.

Fast borrower experience, even on the hard cases: the underwriter arrives ready, focused on the topics that matter.

Automation by default, manual by exception

One platform — no fragmented systems, no rekeying. Every case follows the same rules, the same audit trail and the same compliance.

The business owns the decision rules. Rule changes are simulated, staged and shipped — without waiting in a development queue.

80%+ reduction in 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

Borrowers move from application to approval in minutes or hours, not weeks. Digital-first, human-like, self-serve. Proactive updates instead of call-centre silence.

Fast borrower experience, even on the hard cases: the underwriter arrives ready, focused on the topics that matter.

Automation by default, manual by exception

One platform — no fragmented systems, no rekeying. Every case follows the same rules, the same audit trail and the same compliance.

The business owns the decision rules. Rule changes are simulated, staged and shipped — without waiting in a development queue.

80%+ reduction in 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.

Explore how this might impact your business case

Customer stories

Don't just listen to us

Explore how Stacc customers transformed their mortgage origination and management operations.

Customer stories

Don't just listen to us

Explore how Stacc customers transformed their mortgage origination and management operations.

View customer stories

View customer stories

After a thorough evaluation process, DNB has concluded that Stacc offers the best and most agile solution on the market, not just in Norway, but internationally as well.

Division Director for Mortgage Digitalisation, DNB

You forget that you are actually doing mortgages because it is so simple.

Stacc Mortgage Origination customer

Stacc Mortgage Suite

A digital and automated end-to-end mortgage solution

NORWAY · TIER 1 · MORTGAGE ORIGINATION

DNB chooses Stacc to revolutionise mortgages in Norway

After a thorough evaluation process, DNB has concluded that Stacc offers the best and most agile solution on the market, not just in Norway, but internationally as well.

Division Director for Mortgage Digitalisation, DNB

SWEDEN · MORTGAGE ORIGINATION

SBAB selects Stacc for mortgage digitalisation and automation

You forget that you are actually doing mortgages because it is so simple.

Stacc Mortgage Origination customer

Mortgage Underwriting

Data-driven credit decision insights on liquidity and collaterals

Stacc Mortgage Suite

A digital and automated end-to-end mortgage solution

Why Stacc Mortgage Suite?

A world-class Mortgage Suite

Credit-native solutions and expertise

200+ credit and technology experts. Institutional knowledge built over 45+ years in the mortgage domain. Built for the advanced needs of mortgage lenders. A vibrant innovation community from one of the world's most digital and regulated financial markets.

We have done this hundreds of times. For decades.

Modular and AI-assisted capabilities

Highly automated capabilities built-in

Superior Time-to-Value

Native compliance and security

Credit-native solutions and expertise

200+ credit and technology experts. Institutional knowledge built over 45+ years in the mortgage domain. Built for the advanced needs of mortgage lenders. A vibrant innovation community from one of the world's most digital and regulated financial markets.

We have done this hundreds of times. For decades.

Modular and AI-assisted capabilities

Highly automated capabilities built-in

Superior Time-to-Value

Native compliance and security

Key features

Customer-centric and AI-assisted mortgages

The capabilities that matter for modern mortgage origination and management.

Key features

Customer-centric and AI-assisted mortgages

The capabilities that matter for modern mortgage origination and management.

Explore the credit platform

Explore the credit platform

Decision Engine Editor

Run real-time credit decisions aligned with your own business rules — across multiple parameters, countries and segments. Powered by Stacc's Gartner® recognised Credit Decision Engine.

Edit rules with self-serve, no-code interfaces and complete version history and audit trail. Plug in any AI model or inputs as part of the decision process.​

Decision Engine Simulator

AI-assisted underwriting

Credit Process Tool

Decision Engine Editor

Run real-time credit decisions aligned with your own business rules — across multiple parameters, countries and segments. Powered by Stacc's Gartner® recognised Credit Decision Engine.

Edit rules with self-serve, no-code interfaces and complete version history and audit trail. Plug in any AI model or inputs as part of the decision process.​

Decision Engine Simulator

AI-assisted underwriting

Credit Process Tool

Decision Engine Editor

Run real-time credit decisions aligned with your own business rules — across multiple parameters, countries and segments. Powered by Stacc's Gartner® recognised Credit Decision Engine.

Edit rules with self-serve, no-code interfaces and complete version history and audit trail. Plug in any AI model or inputs as part of the decision process.​

Decision Engine Simulator

AI-assisted underwriting

Credit Process Tool

Credit-native AI

Put AI to work. Keep defensible decisions.

AI explores; the decision engine (or the underwriter) decides.

Valueable

AI where it adds value, business rules where precision matters.

Assisting

AI explores and assists. The decision engine decides.

Process-oriented

Agents stay scoped to discrete tasks and need-to-know data.

Compliant

Compliance is a design constraint, not an afterthought.

Read our research perspective

Bank-grade resilience, enterprise strength

Built for the security, scalability and compliance Tier 1 banks demand

Stacc powers mission-critical mortgage workflows for Tier 1 banks

Certified compliance and security

  • SOC 2® Type 2 attested, ISO 27001 certified

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

  • Custom instance, time-sensitive reporting, extensive logging and audit

  • Continuous policy and risk monitoring, regularly pen-tested

  • EU/EEA data residency, with regional hosting options

Scalable platform

  • Cloud- and API-native, proven at Tier 1 scale

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

  • Multi-country, multi-currency, multi-asset, multi-credit-type — across the full mortgage lifecycle

Integration-friendly and flexible platform

  • 200+ pre-built integrations to third-party services

  • One platform for all channels, with the bank's existing front-ends

  • Core-, cloud-, AI model- and data-agnostic

  • Self-serve, low-code/no-code configuration

Proven reliability

  • 45+ years of institutional mortgage knowledge

  • 115+ customers, including Nordic Tier 1 banks

  • ISO 9001 certified quality management

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

Visit Trust Center

Talk to our Enterprise Team

Research and perspectives

View all research

View all research

Hi five icon

The Stacc way of working

Hi five icon

The Stacc way of working

compass icon.

Evaluating Buy or Build for Mortgage Origination Software

compass icon.

Evaluating Buy or Build for Mortgage Origination Software

AI in Loan Origination icon

AI in Loan Origination: The Case for Credit-Native AI

AI in Loan Origination icon

AI in Loan Origination: The Case for Credit-Native AI

FAQ

What does Stacc Mortgage Suite include?

How does Stacc handle security and compliance?

Does Stacc integrate with my existing systems?

What results do customers see?

How does Stacc handle AI in mortgage decisions?

Does Stacc work for both intermediary and direct channels?

Request a Demo

Ready to transform your mortgage offering?

Experience the credit-native, AI-assisted mortgage platform with a modular, highly automated and deterministic backbone.

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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.

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.

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.