What is Stacc Mortgage Suite?

Professional consumer finance solution designed for financial institutions 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 Origination

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 Origination empowers mortgage providers to automate all applications, customer onboarding, credit processes and payouts of mortgages with a cloud-native, API-first and highly composable mortgage origination solution.

Take advantage of the latest technologies and AI capabilities with a fully enterprise- and bank-grade solution, thereby winning more high-quality mortgage applications in less time and at lower cost.

Request a Demo

Visit Trust Center

Stacc Mortgage Origination

Modular, highly automated and intelligent mortgages

Take advantage of the latest technologies and AI capabilities with a fully enterprise- and bank-grade solution, thereby winning more high-quality mortgage applications in less time and at lower cost.

Request Demo

Trust Center

Stacc Mortgage Origination

Modular, highly automated and intelligent mortgages

Take advantage of the latest technologies and AI capabilities with a fully enterprise- and bank-grade solution, thereby winning more high-quality mortgage applications in less time and at lower cost.

Request a Demo

Visit Trust Center

Stacc Mortgage Origination modules 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

Proven business impact delivered with Stacc Mortgage Origination

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

Hear how Stacc has helped our customers win more high-quality mortgage applications in less time and at lower cost.

Customer stories

Don't just listen to us

Hear how Stacc has helped our customers win more high-quality mortgage applications in less time and at lower cost.

View customer stories ->

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 Origination?

World-class Mortgage origination software

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.

Decision Engine Editor

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 Simulator

Embedded AI

Credit Process Tool

Decision Engine Editor

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 Simulator

Embedded AI

Credit Process Tool

Decision Engine Editor

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 Simulator

Embedded AI

Credit Process Tool

Deep functionality

A robust solution for modern mortgage automation

Built for 100% straight-through-processing. Handles real-life complexity with all combinations of products, interest rates, collaterals and borrowers.

Any mortgage products and processes

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
Interest-only period
Grace period
Tracker Mortgage
And more…

Any collaterals

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)

Composable mortgage software

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

Select one or both API-native products in Stacc Mortgage Origination to compose your own mortgage offering. Pick the most suitable modules within each product for your institution.

Stacc Mortgage Origination
Stacc Flow
Credit process platform
Stacc Mortgage Origination
Stacc Mortgage Underwriting
Affordability and collaterals engine

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
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 99.95% uptime guarantees available

Visit our 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 manage their application.

Track application status

Touchpoints

Additional touchpoints to support customer connection.

Customer chat

SMS/E-mail notification

Automated reminders

API-integrations with 3rd 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

Customer journey mapping
Process specification
Mapping of integrations
Scope & implementation plan
Proof of value

4-6 months

Implementation

Setup custom cloud instances
Software installation and configuration
Integrations establishment
Training of super users
Testing and acceptance

Boom

Launch

Go-Live

Rollout of the new solution
We ensure flawless and transparent operations
Hypercare monitoring

Continous

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

Estimated total annual pre‑tax benefits (EUR) with Stacc Mortgage Orgination

Efficiency gains

€11.5M

Commercial benefits

€26.7M

IT system savings

€4.4M

Total benefits

€42.6M

Your mortgage portfolio data

Currency

Full‑time advisors

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 Orgination

Assumptions: Fully loaded cost per full-time advisor 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 Orgination Benefits Calculator is an estimate for general informational purposes only, provided in good faith. Stacc does not guarantee results.

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 Origination integrate with existing systems?

What are the key components of Stacc Mortgage Origination?

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

Request a Demo

Ready to transform your mortgage offering?

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

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.