Stacc Mortgage Origination

Modular, highly automated and AI-assisted mortgage origination

Automate a high share of applications, onboarding, credit processing and payout on a cloud-native, API-first and composable origination platform.

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

Stacc Mortgage Origination

Modular, highly automated and AI-assisted mortgage origination

Automate a high share of applications, onboarding, credit processing and payout on a cloud-native, API-first and composable origination platform.

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

Stacc Mortgage Origination

Modular, highly automated and AI-assisted mortgage origination

Automate a high share of applications, onboarding, credit processing and payout on a cloud-native, API-first and composable origination platform.

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

Trusted by 70+ banks and 2,000+ underwriters

End-to-end mortgage origination on one platform

End-to-end mortgage origination 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 cases

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 mortgage origination 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 origination 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

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 operations.

Customer stories

Don't just listen to us

Explore how Stacc customers transformed their mortgage origination operations.

View customer stories ->

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 Origination?

A world-class mortgage origination platform

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.

Key features

Customer-centric and AI-assisted mortgages

The capabilities that matter for modern mortgage origination.

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

For any mortgage situation

A robust solution for modern mortgage automation

Built for automation-default. Handles real-life complexity across markets, with every combination of products, interest rates, collaterals and borrowers.

Any mortgage products and processes

Any interest rate

Any collaterals

Any borrower

Any sales channel

Composable mortgage software

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

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

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

Direct channel components

Your direct channel, ready to deploy

Stacc's borrower-facing components give you a complete direct channel out of the box: application journey, self-service and communication. Use them as they are, white-label them or replace them entirely: the platform is front-end agnostic, and the credit process behind it stays the same.

Customer application

Stacc's borrower-facing and white-labelled 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

Touchpoints

Stacc's communication layer

Customer chat

SMS/E-mail notification

Automated reminders

API-integrations with third-party platforms

New mortgage software shouldn’t take years to implement

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

  • Customer journey mapping

  • Process specification

  • Mapping of integrations

  • Scope and implementation plan

  • Proof of value

4-6 months

Implementation

Implementation

  • Setup custom cloud instances

  • Software installation and configuration

  • Integrations establishment

  • Training of super users

  • Testing and acceptance

Boom

Launch

Go-Live

Go-Live

  • Rollout of the new solution

  • Ensure stable and transparent operations in a safe environment before going fully live

  • Hypercare monitoring

Continous

Adoption

Adoption

  • Daily operations with Stacc support

  • Continuous maintenance services and technical upgrades

  • Bringing you modern innovations at your own pace

Request a Demo

Stacc Mortgage Origination Benefits Analysis

We started the business case for you

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

Stacc Mortgage Origination Benefits Analysis

We started the business case for you

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

Get guidance on the business case

Get guidance on the business case

Estimated total annual pre‑tax benefits (EUR) with Stacc Mortgage Origination
Efficiency gains
€11.5M
Commercial benefits
€26.7M
IT system savings
€4.4M
Total benefits
€42.6M
Your mortgage portfolio data
Currency
Full‑time case handlers
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 Origination
Assumptions: Fully loaded cost per full-time case handler 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 Origination Benefits Calculator is an estimate for general informational purposes only, provided in good faith. Stacc does not guarantee results.

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 is Stacc Mortgage Origination?

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 origination?

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

By submitting this form, I understand and agree that Stacc will collect, store, and use my personal information. This is needed for Stacc to be able to handle my contact request. See our privacy and cookie policy for more info.

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.