It’s the manual work between intake and decision. That’s what slows your time-to-yes.
75–80% of mortgage files arrive incomplete
Dozens of documents and data sources per case, verified by hand
Credit policy applied from memory, case by case
Meet Herman, your AI credit analyst
Herman works the way your best analyst does, only faster, more consistent, and fully traceable. He classifies documents, extracts and verifies data, applies your credit policy, and produces a decision-ready case. When something is missing, he flags it early, so it goes back to the broker/branch before it blocks underwriting. Every step is logged. Every recommendation is explainable. The final decision is always yours.
No rip-and-replace: Herman works on top of your legacy IT stack
Work today is fragmented across tools. Herman plugs in on top of your existing loan origination system, and you’re in production within months, not years.
of underwriting tasks handled without manual intervention
Built for regulated European lenders
In one storage boundary: the Briefcase, inside your tenancy. Documents, extracted data, and outputs live in a single isolated store, never used for training. You define retention; a temporary mode deletes everything after each run.
Herman is designed for the EU AI Act's assistive framework, with human-in-the-loop oversight by design. Your team makes every decision.
Every recommendation is explainable, linked to its evidence and policy reference. Every step is logged.
No. Herman does not do credit scoring. He applies your written credit policy the same way to every file, not an opaque score on borrower characteristics.
Our credit application tool Creanet 2.0., developed by Oper Credits, facilitates a paperless, smooth, and workflow-driven origination process that enables us to expand our business. Furthermore, Oper Credit’s team is very responsive to our needs and is value-added.
Herman BruylandManaging Director at Creafin
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.
Klaus KumpfmüllerCEO at HYPO Oberösterreich
At Onesto, our mission goes beyond granting loans. We aim to ensure that families can not only buy a home, but continue to live in it affordably in the long term. By integrating AI into our document analysis process, we free up valuable time for our experts to focus on each applicant’s specific situation. Herman supports our team in handling administrative complexity, so we can invest more attention in responsible lending and in connecting borrowers to renovation advice through our One-Stop Shop model.
Hans VermeulenCEO at Onesto
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 SoósDeputy CEO at Fundamenta-Lakáskassza
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 GrandjeanDigital Banking Manager at Bank Cler
