---
title: Oper Credits | Agentic AI for mortgage lending
description: "Herman, Oper's AI credit analyst, turns raw mortgage dossiers into decision-ready files in minutes: 95%+ extraction accuracy, EU AI Act-aligned."
image: https://www.opercredits.com/hubfs/oper-og-default-en.png
---

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    - [Herman](https://www.opercredits.com/herman-ai)
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- 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)
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    - [Contact](https://www.opercredits.com/contact)

###### Agentic AI for mortgage lending

# Faster decisions. Complete audit trails. Zero added headcount.

Meet Herman, the AI credit analyst who handles most of your manual underwriting work, so your team can focus on the decisions that matter.

[Book a demo](https://www.opercredits.com/contact?hsLang=en)

[Learn more](https://www.opercredits.com#meet-herman)

![20260814\_oper-home-page-hero-image-en](https://www.opercredits.com/hubfs/20260814_oper-home-page-hero-image-en.svg)

![logo-volksbank-wien](https://www.opercredits.com/hubfs/logo-volksbank-wien.png) ![logo-crelan](https://www.opercredits.com/hubfs/logo-crelan.png) ![hypo ooe](https://www.opercredits.com/hubfs/hypo%20ooe.svg) ![Sparda\_Bank\_AT\_logo](https://www.opercredits.com/hubfs/Sparda_Bank_AT_logo.png) ![bank\_cler\_logo](https://www.opercredits.com/hubfs/bank_cler_logo.jpg) ![logo-creafin](https://www.opercredits.com/hubfs/logo-creafin.png) ![fundamenta\_logo](https://www.opercredits.com/hubfs/fundamenta_logo.png) ![onesto\_logo](https://www.opercredits.com/hubfs/onesto_logo.jpg)

### The bottleneck isn't your team

It’s the manual work between intake and decision. That’s what slows your time-to-yes.

![20260826\_oper\_home\_icon\_incomplete\_files\_navy](https://www.opercredits.com/hubfs/20260826_oper_home_icon_incomplete_files_navy.png)

~80% of mortgage files arrive incomplete

![20260826\_oper\_home\_icon\_manual\_verification\_navy\_new](https://www.opercredits.com/hubfs/20260826_oper_home_icon_manual_verification_navy_new.png)

Dozens of documents need to be manually verified

![20260826\_oper\_home\_icon\_policies\_by\_memory\_navy](https://www.opercredits.com/hubfs/20260826_oper_home_icon_policies_by_memory_navy.png)

Credit policies are 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.

[See how Herman works](https://www.opercredits.com/herman-ai?hsLang=en)

![oper-home-meet-herman-en-3x2](https://www.opercredits.com/hubfs/oper-home-meet-herman-en-3x2.svg)

![oper-a4-integration-v1](https://www.opercredits.com/hs-fs/hubfs/oper-a4-integration-v1.png?width=2000&name=oper-a4-integration-v1.png)

### 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.

[Explore integration options](https://www.opercredits.com/herman-ai?hsLang=en#integration-story)

### The benefits our customers see

### 120 min → 3 min

average case preparation time

### 95%+

data extraction accuracy across document types

### Up to 90%

of underwriting tasks handled without manual intervention

### Built for regulated European lenders

### Where does our data live?

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.

### Is Herman aligned with the EU AI Act?

Herman is designed for the EU AI Act's assistive framework, with human-in-the-loop oversight by design. Your team makes every decision.

### Can we audit Herman's recommendations?

Every recommendation is explainable, linked to its evidence and policy reference. Every step is logged.

### Does Herman score our customers?

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.

##### [How we clear bank security reviews →](https://www.opercredits.com/compliance?hsLang=en)

### What our customers say

> 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

> 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.

![HansVermeulen](https://www.opercredits.com/hs-fs/hubfs/HansVermeulen.png?width=80&height=80&name=HansVermeulen.png) Hans Vermeulen CEO 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 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

> 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

> 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 bruyland](https://www.opercredits.com/hs-fs/hubfs/herman%20bruyland.jpeg?width=80&height=80&name=herman%20bruyland.jpeg) Herman Bruyland Managing Director at Creafin

##### [More customer stories →](https://www.opercredits.com/case-studies?hsLang=en)

### Expert insights for lending teams

##### [![blog](https://www.opercredits.com/hubfs/blog.jpg) Blogs](https://www.opercredits.com/blog?hsLang=en)

##### [![report](https://www.opercredits.com/hubfs/report.jpg) Reports](https://www.opercredits.com/reports?hsLang=en)

##### [![webinar](https://www.opercredits.com/hubfs/webinar.jpg) Webinars](https://www.opercredits.com/webinars?hsLang=en)

###### Contact us

## See Herman work a real case

Book a free 20-minute walkthrough, followed by a backtest on your own 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

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