--- title: Origination Platform | Oper Credits description: "Oper's white-label platform for digital mortgage journeys: simulation, application, documents and offers in your brand, for the lenders who run on it." image: https://www.opercredits.com/hubfs/oper-og-default-en.png --- [Skip to the main content.](https://www.opercredits.com/origination-platform#main-content) [![Oper Credits logo blue](https://www.opercredits.com/hs-fs/hubfs/20260714_Oper%20Credits%20logo%20blue%20transparent.png?width=588&height=164&name=20260714_Oper%20Credits%20logo%20blue%20transparent.png "Oper Credits logo blue")](https://opercredits.com?hsLang=en) [![Oper Credits logo blue](https://www.opercredits.com/hs-fs/hubfs/20260714_Oper%20Credits%20logo%20blue%20transparent.png?width=588&height=164&name=20260714_Oper%20Credits%20logo%20blue%20transparent.png "Oper Credits logo blue")](https://opercredits.com?hsLang=en) - Products - [Herman](https://www.opercredits.com/herman-ai) - [Origination Platform](https://www.opercredits.com/origination-platform) - [Use Cases](https://www.opercredits.com/use-cases) - [Customers](https://www.opercredits.com/case-studies) - [Compliance](https://www.opercredits.com/compliance) - Resources - [Blog](https://www.opercredits.com/blog) - [Reports](https://www.opercredits.com/reports) - [Webinars](https://www.opercredits.com/webinars) - [Trust Center](https://trust.opercredits.com/) - Company - [About](https://www.opercredits.com/about-us) - [Careers](https://www.opercredits.com/careers) - [Partners](https://www.opercredits.com/partners) - [Contact](https://www.opercredits.com/contact) - [English](https://www.opercredits.com/origination-platform) - [Deutsch](https://www.opercredits.com/de/origination-platform) [Book a demo](https://www.opercredits.com/contact?hsLang=en) Toggle Menu - [English](https://www.opercredits.com/origination-platform) - [Deutsch](https://www.opercredits.com/de/origination-platform) Toggle Menu [Book a demo](https://www.opercredits.com/contact?hsLang=en) - Products - [Herman](https://www.opercredits.com/herman-ai) - [Origination Platform](https://www.opercredits.com/origination-platform) - [Use Cases](https://www.opercredits.com/use-cases) - [Customers](https://www.opercredits.com/case-studies) - [Compliance](https://www.opercredits.com/compliance) - Resources - [Blog](https://www.opercredits.com/blog) - [Reports](https://www.opercredits.com/reports) - [Webinars](https://www.opercredits.com/webinars) - [Trust Center](https://trust.opercredits.com/) - Company - [About](https://www.opercredits.com/about-us) - [Careers](https://www.opercredits.com/careers) - [Partners](https://www.opercredits.com/partners) - [Contact](https://www.opercredits.com/contact) ###### Origination Platform # The white-label platform for digital mortgage journeys Simulation, application, documents and offer in one journey, in your brand. Maintained and developed for the lenders who run on it today. [Book a demo](https://www.opercredits.com/contact?hsLang=en) [Meet Herman](https://www.opercredits.com/herman-ai?hsLang=en) ## What the platform does #### Borrower Portal Borrowers simulate, apply, upload documents and sign online. #### Advisory Portal Advisors work every request in one place, from first contact to signed offer. #### Oper Connect Links the platform to your own systems and to third-party services. ## Built around how you lend You decide the products, acceptance rules and pricing. The platform turns them into journeys for borrowers and advisors, carries your brand and runs in Dutch, French, German, Hungarian and English. Borrowers can start online and finish with an advisor, or the other way round. ![Borrower Portal: a mortgage application with document checklist](https://www.opercredits.com/hs-fs/hubfs/20261026%20Platform%20Borrower%20Portal.png?width=1620&height=1024&name=20261026%20Platform%20Borrower%20Portal.png) For borrowers ## Borrower Portal - Self-service simulation for buying, building, renovating or refinancing, with rates from your own pricing sheet - Borrowers save a simulation, lock the rate for the period you set and turn it into an application when they are ready - Documents, e-signature and status updates in one place, so borrowers always see the next step - Embed the simulator on your own website or in your e-banking ![Advisory Portal: financing overview with loan-to-value and total costs](https://www.opercredits.com/hs-fs/hubfs/20261026%20Platform%20Advisory%20Portal.png?width=1332&height=830&name=20261026%20Platform%20Advisory%20Portal.png) For advisors ## Advisory Portal - One dashboard for every request, from first contact to signed offer - Run simulations together with the borrower and share them to the borrower's portal - Request and check documents, then build offers with your products, discounts and acceptance rules - Clear tasks and handovers between advisors, back office and credit teams ![Oper Connect: a loan file with data and documents from connected systems](https://www.opercredits.com/hs-fs/hubfs/20261026%20Platform%20Oper%20Connect.png?width=786&height=490&name=20261026%20Platform%20Oper%20Connect.png) For your systems ## Oper Connect - APIs that connect the platform to your core systems and to third-party services - Data entered once flows on, so nobody types it twice - Fetch data from trusted external sources instead of asking the borrower for it ## Inside the platform #### Self-service simulation Borrowers see what they can finance and which of your offers fit, at any time of day. #### Expert simulation A detailed simulator for advisors, built for complex projects with several loans and borrowers. #### Product selection Find the product that fits the project across your full range. #### Financial planning A full view of project costs, own funds and financing, including fees and the APRC. #### Offer creation Build and compare offer scenarios in seconds, then send them for signature. #### Pricing management Upload a new pricing sheet and every new simulation uses the new rates from its start date. #### Acceptance rules Set eligibility rules per product and decide which ones stop a simulation. #### Document management One library per file that shows what is required, uploaded and signed. #### Task management Tasks and handovers between teams stay visible, so no request stalls. ## Who runs on it Lenders in Belgium, Austria, Switzerland and Hungary run their mortgage journeys on the platform. > Thanks to Oper's innovative software solutions, we are successfully digitizing our mortgage origination process and making it future-proof. The implementation went smoothly and quickly within just 8 weeks, thanks to the flexibility and commitment of the Oper team. ![KlausKumpfmüller](https://www.opercredits.com/hs-fs/hubfs/KlausKumpfm%C3%BCller.png?width=80&height=80&name=KlausKumpfm%C3%BCller.png) Klaus Kumpfmüller CEO at HYPO Oberösterreich > The new online mortgage application process significantly improved Bank Cler’s ability to distribute mortgages digitally. Compared to our previous channel, our reports show increasing volumes and a higher conversion rate. ![yannick grandjean](https://www.opercredits.com/hs-fs/hubfs/yannick%20grandjean.jpeg?width=80&height=80&name=yannick%20grandjean.jpeg) Yannick Grandjean Digital Banking Manager at Bank Cler > Oper’s capabilities to tailor their solution to our specific needs exceeded our expectations and were further reflected during their thorough and professional onboarding process. We are more than excited for the full roll-out to our 1000+ agents and can’t wait to get additional value out of the Oper platform. ![attila soos](https://www.opercredits.com/hs-fs/hubfs/attila%20soos.jpeg?width=80&height=80&name=attila%20soos.jpeg) Attila Soós Deputy CEO at Fundamenta-Lakáskassza ###### Herman and the platform ## Your journeys collect the documents. Herman reads them. Herman is Oper's AI credit analyst. He checks the documents your journeys collect, extracts the data, applies your credit policy and prepares a decision-ready case for your credit team. He works on top of what you run today, and on the Oper platform he already runs in production. [Meet Herman](https://www.opercredits.com/herman-ai?hsLang=en) ###### Next step ## See the platform and Herman on a real case Book a free 20-minute walkthrough, then a backtest on your document types. [Book a demo](https://www.opercredits.com/contact?hsLang=en) [![big\_logotype-1](https://www.opercredits.com/hubfs/big_logotype-1.png)](https://www.opercredits.com/?hsLang=en) [Linkedin](https://www.linkedin.com/company/opercredits/)[YouTube](https://www.youtube.com/@OperCredits) Products Products - [Herman](https://www.opercredits.com/herman-ai) - [Use Cases](https://www.opercredits.com/use-cases) - [Customers](https://www.opercredits.com/case-studies) - [Compliance](https://www.opercredits.com/compliance) - [Origination Platform](https://www.opercredits.com/origination-platform) Resources Resources - [Blog](https://www.opercredits.com/blog) - [Reports](https://www.opercredits.com/reports) - [Webinar](https://www.opercredits.com/webinars) Company Company - [About](https://www.opercredits.com/about-us) - [Careers](https://www.opercredits.com/careers) - [Partners](https://www.opercredits.com/partners) - [Contact](https://www.opercredits.com/contact) - [Privacy Policy](https://www.opercredits.com/privacy-policy) - [Cookie Policy](https://www.opercredits.com/cookie-policy) - [Terms of Use](https://www.opercredits.com/terms-of-use) - [Legal Notice](https://www.opercredits.com/legal-notice) - [Data Processors](https://www.opercredits.com/data-processors) - [Reporting a Security Issue](https://www.opercredits.com/reporting-a-security-issue) © 2026 Oper Credits ```json { "@context" : "https://schema.org", "@id" : "https://www.opercredits.com/#organization", "@type" : "Organization", "address" : { "@type" : "PostalAddress", "addressCountry" : "BE", "addressLocality" : "Antwerp", "postalCode" : "2000", "streetAddress" : "Lange Gasthuisstraat 29" }, "description" : "Oper Credits builds Herman, the AI credit analyst for mortgage lending at regulated European banks and lenders.", "founder" : [ { "@type" : "Person", "name" : "Geert Van Kerckhoven", "sameAs" : "https://www.linkedin.com/in/geertvankerckhoven" }, { "@type" : "Person", "name" : "Wouter Lachat" } ], "foundingDate" : "2018", "legalName" : "Oper Credits BV", "logo" : "https://www.opercredits.com/hubfs/20260714_Oper%20Credits%20logo%20blue%20transparent.png", "name" : "Oper Credits", "sameAs" : [ "https://www.linkedin.com/company/opercredits/", "https://www.youtube.com/@OperCredits", "https://www.crunchbase.com/organization/oper-781f" ], "url" : "https://www.opercredits.com", "vatID" : "BE0719676454" } ```