Does Stacc use AI in its credit platform?

Yes. Stacc takes a credit-native AI approach: the credit decision stays deterministic, governed by explicit rules, while AI plugs in everywhere it adds value — conversational applications via voice or chat (Deterministic Agentic Lending), document intelligence with attribution-first tracing (Verifiable Document AI), and automated scenario modelling against the bank's credit rules (Route-to-Yes). Banks can plug any AI model into the decision process through self-serve, no-code interfaces.

What is credit-native AI?

Credit-native AI is Stacc's framing for AI in lending: AI assists credit decisions rather than making them autonomously. Decisions remain explicit and auditable — the bank can show exactly which rules produced any outcome. Credit logic stays independent of specific AI models, so models can be updated without rebuilding the system.

Which financial institutions use Stacc?

Stacc powers 115+ financial institutions across the Nordics and Europe, including DNB, SBAB, Eika Gruppen (50+ Norwegian local banks), Aprila Bank, Bane NOR, Alphabet Denmark, and Autolease. Stacc has 200+ employees (70% software developers), 324 MNOK revenue in 2025 with 9.4% EBITDA margin, 42% revenue CAGR since 2016, and 45% of revenue outside Norway. Gartner Sample Vendor for Credit Decision Engines (2025).

Is Stacc compliant with the EU AI Act?

Yes. Stacc's credit-native AI architecture meets EU AI Act explainability requirements: credit decisions stay deterministic, every AI-assisted step is logged, and credit logic is independent of specific AI models. Stacc is ISO 27001:2022, SOC 2 Type 2, and ISO/IEC 9001:2015 certified, with EU/EEA data storage and built-in compliance for GDPR, DORA, and NIS 2.

What is Stacc Mortgage Suite?

Stacc Mortgage Suite is a modular, AI-assisted mortgage platform covering the full lifecycle from origination through underwriting to servicing. It delivers automation by default, manual by exception — enabling advisors to focus only on cases requiring human judgement. The suite is used by major Nordic banks including DNB, SBAB, and Eika Gruppen, with documented 80%+ reduction in advisor handling time per complex manual case.

How does AI work in Stacc Mortgage Suite?

Stacc Mortgage Suite uses credit-native AI: AI-assisted journeys with deterministic credit outcomes. The credit decision stays governed by explicit rules so the bank can show exactly which rules produced any approval or rejection. AI assists at specific workflow points — document extraction with attribution-first tracing (Verifiable Document AI), conversational applications via voice or chat (Deterministic Agentic Lending), and scenario modelling against the bank's credit rules (Route-to-Yes). Banks can plug any AI model into the decision process through self-serve, no-code interfaces.

What modules are included in the Stacc Mortgage Suite?

The suite includes Stacc Mortgage Origination for automated application processing, Stacc Mortgage Underwriting (affordability and collaterals engine) for AI-assisted underwriting with deterministic outcomes, and Stacc Mortgage Servicing for ongoing loan management. Each module can be deployed independently or as a complete solution, with API-native integration into existing core banking systems.

Which banks use Stacc Mortgage Suite?

Stacc Mortgage Suite is used by major Nordic banks including DNB (Norway's largest financial services group), SBAB (leading Swedish mortgage bank), and Eika Gruppen (alliance of 50+ Norwegian local banks). Eika uses Stacc to run digital underwriting at scale across all 50+ member banks, replacing fragmented processes with structured, AI-assisted credit assessments.

Stacc Mortgage Suite

Modular, highly automated and AI-assisted mortgages

Stacc Mortgage Suite is the cloud-native, API-first, composable software platform for mortgage origination — from inquiry to disbursement — and mortgage servicing across the entire lifecycle.

Win more high-quality mortgage applications in less time and at lower cost. Grant borrowers digital-first, self-serve and human-like experiences. Give advisors one view of the cases that need them.

Request a Demo

Visit Trust Center

Stacc Mortgage Suite

Modular, highly automated and AI-assisted mortgages

Stacc Mortgage Suite is the cloud-native, API-first, composable software platform for mortgage origination — from inquiry to disbursement — and mortgage servicing across the entire lifecycle.

Win more high-quality mortgage applications in less time and at lower cost. Grant borrowers digital-first, self-serve and human-like experiences. Give advisors one view of the cases that need them.

Request a Demo

Visit Trust Center

Stacc Mortgage Suite

Modular, highly automated and AI-assisted mortgages

Stacc Mortgage Suite is the cloud-native, API-first, composable software platform for mortgage origination — from inquiry to disbursement — and mortgage servicing across the entire lifecycle.

Win more high-quality mortgage applications in less time and at lower cost. Grant borrowers digital-first, self-serve and human-like experiences. Give advisors one view of the cases that need them.

Request Demo

Trust Center

Trusted by 70+ banks and 2,000+ advisors across the nordics

End-to-end mortgage operations on one platform

Automate
Processes
Origination and onboarding
Credit decisions
Credit policy management
Business rules across multiple parameters
Underwriting thresholds
Automated credit decisions
Underwrite
Liquidity
Max loan amount
Granular household expenses
Stacc Affordability API
Collaterals
Extensive selection of collaterals built in
Advise
Inbox
Task-based advisor inbox
All relevant info available for the task
Task summary per case
Decisions
All relevant info in one view
Decision options
Disbursement
Task based disbursement control
Serve
Customer channels
My page
Documentation and dialogue
Integrated chat
API-support

Overview

Automation that scales, underwriting that handles the rest

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

Application intake

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

Advisors 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; advisors focus only on what needs them

Fragmented systems with handoffs and rekeying

One unified, composable platform across the credit process

AI bolted on, in a separate channel and environment

AI-assisted journeys with deterministic credit outcomes

Credit policy change means a project and queue

Business owns the rules, simulates and ships

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. Run 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 advisor arrives ready, focused on the advice that matters.

Automation by default, manual by exception

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

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 advisor arrives ready, focused on the advice that matters.

Automation by default, manual by exception

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

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 advisor arrives ready, focused on the advice that matters.

Automation by default, manual by exception

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.

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

NEW CUSTOMER

DNB chooses Stacc to revolutionise mortgages in Norway

New customer

SBAB selects Stacc for mortgage digitalisation and automation

Advanced Underwriting

Data-driven credit decision insights on liquidity and collaterals

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

NEW CUSTOMER

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

New customer

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

Advanced 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

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

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

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

Front-end agnostic, multi-channel by design

Every channel, behind any front-end

Stacc's platform is front-end agnostic — use our UX components, your own front-ends, or a third-party UX layer. And it's multi-channel by design — digital direct, branch, broker, partner, chatbot. The same case can start in one channel and finish in another, with the same rules and the same audit trail throughout.

Customer application

Stacc's borrower-facing and white-labeled UX for mortgage applications, ready to deploy

eID

e-Signatures

Data & documentation

AML & KYC checks

Credit scoring

Stacc Affordability API

MyPage

Stacc's self-service portal for borrowers

Track application status

Request refinancing

Request interest-only period or payment holiday

Make additional payments

Change due date

Touchpoints

Stacc's communication layer

Customer chat

SMS/E-mail notification

Automated reminders

API-integrations with 3rd party platforms

Research and perspectives

View all research

The Stacc way of working

Evaluating Buy or Build for Mortgage Origination Software

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

FAQ

What does Stacc Mortgage Suite include?

How does Stacc ensure security and compliance?

Does Stacc Mortgage Suite integrate with existing systems?

What ROI can mortgage providers expect from Stacc?

How does Stacc handle AI in mortgage origination?

Request a Demo

Ready to transform your mortgage offering?

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

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.