Banks face a market where compliance is non-negotiable, customers expect seamless digital experiences, and internal IT systems are often rigid and fragmented. For many, the idea of end-to-end digital mortgage origination still feels like a long-term vision rather than an immediate reality.

At Oper, we’ve made that reality tangible. Our digital mortgage solution is purpose-built for the German market, with German mortgage products, deep integrations, intelligent data connectors, and an infrastructure that is secure, compliant, and incredibly fast to implement. German banks don’t need to wait 12 to 36 months for a new mortgage platform to go live. With Oper's out-of-the-box SaaS solution, they can start seeing value in weeks.

This holds true for all stakeholders throughout the mortgage origination process: from borrower to advisor to analyst.

A Borrower Portal built for Germany’s mortgage landscape

At the heart of Oper’s solution is a borrower portal designed for Germany’s unique lending environment. It supports a fully hybrid experience, combining digital convenience with personal advisor interaction when needed. Borrowers can easily explore the most common financing options - including Hypothekendarlehen (Annuitätendarlehen), Bauspardarlehen, and even Versicherungsdarlehen - and receive tailored Finanzierungsvorschläge within minutes.

The portal also dynamically generates document checklists based on the borrower’s profile and chosen mortgage product. This ensures that applicants are always guided through the right steps, with the right documentation, at the right time - making the process clearer and faster for everyone involved.

Document AI that handles Germany’s most complex files

One of the biggest challenges in mortgage processing is the manual handling of paperwork. In Germany, this is especially demanding due to the variety and complexity of required documents. That’s where Oper’s AI-powered Document Agent comes in.

Our proprietary technology can process and understand even the most nuanced document types - from Grundbuchauszug and Gehaltsabrechnungen to Aufenthaltsgenehmigungen and Rentenbescheide. It intelligently splits multi-page files, classifies them, and extracts relevant data fields with up to 98% accuracy - even from scans or handwritten text. Beyond basic OCR, it cross-checks the information against external data sources, flags inconsistencies, and ensures completeness before any human ever reviews the application.

The result? Fewer errors, less back-and-forth with borrowers, and significantly shorter turnaround times for loan approvals.

Seamless connections to Germany’s core systems

Of course, document handling is only one part of the mortgage equation. True digitization requires seamless integration with a wide array of external and internal systems - and that’s exactly what Oper can deliver.

Out of the box, we can connect to trusted data providers such as SkenData and Sprengnetter for property valuations, finAPI for account aggregation, and Schufa, CRIF, or Creditreform for credit scoring. We also support secure, legally binding e-signatures through DocuSign. These integrations enable real-time data enrichment and help ensure that applications are not only complete but also fully verifiable from day one.

And crucially, all of this fits neatly into existing banking infrastructure. Oper is designed to complement - not replace - core systems such as SAP, agree21, or Finanz Informatik. We also integrate easily with broker platforms like Prohyp or Europace. Thanks to our Oper Connect integration layer, banks can link internal systems, third-party providers, and credit teams without embarking on a disruptive IT overhaul.

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Security, Compliance, and trust by default

Given the risk sensitivity of the German banking sector, security and compliance are non-negotiable. That’s why Oper was built to exceed banking standards from the ground up. Our platform is ISO 27001-certified and undergoes regular penetration testing and bug bounty audits through partners like Intigriti.

Oper follows a single-tenant architecture, hosted on trusted cloud providers such as Azure, AWS, or Google Cloud. This ensures full data isolation for every client and infrastructure-grade resilience - because true peace of mind starts with trust in the tech behind the scenes.

Real transformation, tangible results

The best part? Oper isn’t a vision - it’s already delivering results. Banks using our solution can automate up to 90% of the mortgage process and reduce decision times by half thanks to AI-powered underwriting. First-time-right submission rates reach up to 90%, across channels and customer segments.

But beyond the operational metrics, what really matters is the borrower experience. Customers enjoy a fast, digital, and frictionless journey — one that aligns with the expectations they’ve developed from other digital services in their lives.

With Oper, the future of mortgage lending in Germany isn’t something to plan for. It’s something you can launch today.

If you're ready to see Oper in action or explore how it could work for your bank, book a demo with our experts.

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