What is Stacc Mortgage Suite?

Enterprise mortgage solution designed for banks to streamline operations and improve efficiency.

Does it integrate with existing systems?

Yes, API-native architecture with pre-built integrations for major banking and financial systems.

Stacc Mortgage Suite

Modular, highly automated and intelligent mortgages

Q: How does Stacc ensure security and compliance?

SOC 2 and ISO 27001 certified with EU/EEA data storage, end-to-end encryption, and comprehensive audit trails.

Stacc Mortgage Suite empowers mortgage providers with cloud-native, API-first and highly composable software solutions for mortgage origination, from inquiry to disbursement, and mortgage servicing across the entire lifecycle.

Take advantage of the latest technologies and AI capabilities, enabling you to win more high-quality mortgage applications in less time and at lower cost, while offering digital-first, self-serve to your customers.

Request a Demo

Visit Trust Center

Stacc Mortgage Suite

Modular, highly automated and intelligent mortgages

Request a Demo

Visit Trust Center

Stacc Mortgage Suite

Modular, highly automated and intelligent mortgages

Request Demo

Trust Center

Stacc Mortgage Suite products are trusted by 70+ banks and 2,000+ advisors

Mortgage simplicity and flexibility

Automate
Processes
Orgination and onboarding
Credit decisions
Decisions
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

Both automation and advanced mortgage underwriting

The ultimate combination for mortgage lenders

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 colleral registration

Disburse and transfer to core

Loan
servicing

Loan servicing

Deviation management

Mortgage Underwriting

Only tasks that need manual handling are assigned to advisors

Composable mortgage software

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

Each product in Stacc Mortgage Suite is API-native and can be delivered standalone or in combination to compose your own mortgage solution.

Proven business impact delivered with Stacc Mortgage Suite

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.

Explore how this might impact your business case

Customer stories

Don't just listen to us

Explore how Stacc has transformed the mortgage origination or servicing operations of our mortgage customers.

Customer stories

Don't just listen to us

Explore how Stacc has transformed the mortgage origination or servicing operations of our mortgage customers.

View customer stories

NEW CUSTOMER

DNB chooses Stacc to revolutionise mortgages in Norway

Stacc Mortgage Suite

A digital and automated end-to-end mortgage solution

Advanced Underwriting

Data-driven credit decision insights on liquidity and collaterals

New customer

SBAB selects Stacc for mortgage digitalisation and automation

NEW CUSTOMER

DNB chooses Stacc to revolutionise mortgages in Norway

Advanced Underwriting

Data-driven credit decision insights on liquidity and collaterals

Stacc Mortgage Suite

A digital and automated end-to-end mortgage solution

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

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

Stacc Mortgage Origination customer

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

Stacc Mortgage Origination customer

Why Stacc Mortgage Suite?

A world-class Mortgage Suite

Credit-native solutions and expertise

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.

Modular and intelligent capabilities

Highly automated capabilities built-in

Superior Time-to-Value

Native compliance and security

Credit-native solutions and expertise

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.

Modular and intelligent capabilities

Highly automated capabilities built-in

Superior Time-to-Value

Native compliance and security

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

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

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.

Bank-grade resilience with Enterprise strength

Digital transformation with bank-grade security, scalability and compliance

Stacc powers mission-critical workflows for Tier 1 leaders

Security and compliance you can trust

SOC 2© Type 2 attestation report available and ISO 27001 certified
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 high uptime guarantees

Visit Trust Center

Talk to our Enterprise Team

Front-end agnostic

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

eID

e-Signatures

Data & documentation

AML & KYC checks

Credit scoring

Stacc Affordability API

MyPage

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

Track application status

Request refinancing

Request interest-only period or payment holiday

Make additional payments

Change due date

Touchpoints

Additional touchpoints to support customer connection

Customer chat

SMS/E-mail notification

Automated reminders

API-integrations with 3rd party platforms

Research & perspectives

View all research

The Stacc way of working

Evaluating Buy or Build for Credit and Loan Origination Software

AI in Loan Origination: Charting the future of banking with Stacc

FAQ

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

How does Stacc ensure security and compliance?

Does Stacc Mortgage Suite integrate with existing systems?

What are the key components of Stacc Mortgage Suite?

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

Request a Demo

Ready to transform your mortgage offering?

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

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.