--- title: "More than mortgages: Oper's 2023 impact review - Oper Credits Blog" description: At Oper, 2023 was a year of milestones and impactful changes. Our mission to revolutionize mortgages took center stage, and the results are nothing short of remarkable. image: https://www.opercredits.com/hubfs/Imported_Blog_Media/65a7c8e4e819897f4c346867_Oper-year-in-numbers-cover.png --- [Skip to the main content.](https://www.opercredits.com/blog/more-than-mortgages-opers-2023-impact-review#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) [Book a demo](https://www.opercredits.com/contact?hsLang=en) Toggle Menu 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) 2 min read # More than mortgages: Oper's 2023 impact review [Geert Van Kerckhoven](https://www.opercredits.com/blog/author/geert-van-kerckhoven) : January 16, 2024 [Productivity](https://www.opercredits.com/blog/tag/productivity) ![More than mortgages: Oper's 2023 impact review](https://www.opercredits.com/hubfs/Imported_Blog_Media/65a7c8e4e819897f4c346867_Oper-year-in-numbers-cover.png) But it wouldn't have happened without the support of our fantastic team, partners and clients. Let's take a closer look at the journey we had last year and the strides we made together.   ### 1. Guiding dreams into reality: In 2023, Oper became the guiding hand for over 5,000 individuals, helping them step into their dream homes. We understand the significance of this life-changing decision, and it's our joy to be part of making dreams come true.   ### 2. Transforming Europe across borders: We're not just local; we're global. Oper's mission reached new heights as we expanded our reach to six countries – Austria, Belgium, the Czech Republic, Germany, Hungary, and Switzerland. Our tireless efforts to transform mortgages extended across borders, impacting lives throughout Europe.   ![](https://www.opercredits.com/hubfs/Imported_Blog_Media/6724d96b7807d3209b766fc1_65a7c9bff27150ab790bdb43_DSC03346.jpg)   ## 3. Swift results delivered on time: Time is valuable, and we value yours. In just three months, our clients achieved the expected value because efficiency is at the core of what we do. Oper is committed to delivering results promptly, ensuring our clients' time is well spent on what matters most. And in 2024 we want to make this process even more efficient!   ### 4. Bringing Open Finance to the Czech Republic via Hyponation: A highlight of 2023 was the launch of Hyponation in the Czech Republic to accelerate the finance transformation in the region. This consortium, born from a strategic collaboration with key industry leaders, aims to redefine paper based mortgage lending in the region by powering it with Open Finance and API solutions. Oper, along with partners like Broker Consulting, Broker Trust, Gepard Finance, Partners Financial Services, and SAB servis, is leading the charge to shape the future of mortgages in the Czech Republic.   ### 5. Welcoming new faces: To our Oper family, we extend a warm welcome to the 14 talented individuals from around Europe who joined our ranks to redefine mortgages. Teamwork is the heartbeat of Oper, and we're thrilled to have new Operians onboard. Together, we make the dream work.   ![](https://www.opercredits.com/hubfs/Imported_Blog_Media/6724d96a7807d3209b766faa_65a7c9af6fb2fb72ed3db2c6_DSC04144-Enhanced-NR.jpg)   ### 6. An exceptional work environment: Success is not just about numbers; it's about the people behind them. With a fantastic 95% team satisfaction score, we take pride in fostering a positive and collaborative work environment. Oper's success is a collective achievement, and together, we continue to grow and thrive.   ### 7. Exponential growth, real impact: Numbers speak volumes, and ours tell an incredible story of success. In 2023, Oper experienced a phenomenal 3.5x growth, a testament to the trust and support of our amazing clients and the dedication of our outstanding team. This growth is not just on paper; it represents the real impact Oper has had on lives and the mortgage industry.   As we bid farewell to an amazing 2023, Oper extends heartfelt gratitude to our clients, team members, and partners. Your trust and collaboration fueled our success. Let's carry this momentum into 2024 and continue the journey towards more impact, growth, and shared success. Thank you for being a part of Oper's mission!   Do you want to learn more about our predictions for 2024? Download our Mortgage Trends report and stay ahead of the curve: [![](https://www.opercredits.com/hubfs/Imported_Blog_Media/6724d96b7807d3209b766fae_65a7ca07380ad549732fa45e_Download-our-report-to-learn-more-banner-blog-(3).png)](https://www.opercredits.com/reports/mortgage-trends-2024?hsLang=en) - [Tweet](https://twitter.com/share) ## Stay up to date with mortgage technology news Subscribe to our list and be the first to receive industry insights straight to your inbox [![Oper wins the Best Digital Mortgage Platform award](https://www.opercredits.com/hubfs/Imported_Blog_Media/6694eccf6e463dc0f06fb143_Oper-Award-(2).png)](https://www.opercredits.com/blog/we-won-best-digital-mortgage-platform-at-the-2024-fintech-breakthrough-awards?hsLang=en) 1 min read #### [Oper wins the Best Digital Mortgage Platform award](https://www.opercredits.com/blog/we-won-best-digital-mortgage-platform-at-the-2024-fintech-breakthrough-awards?hsLang=en) [Geert Van Kerckhoven](https://www.opercredits.com/blog/author/geert-van-kerckhoven) : Jul 15, 2024, 12:00:00 AM About the Awards Now in its eighth year, the FinTech Breakthrough Awards recognize the most innovative and impactful companies in the financial... [Lenders](https://www.opercredits.com/blog/tag/lenders) [Productivity](https://www.opercredits.com/blog/tag/productivity) [Read More](https://www.opercredits.com/blog/we-won-best-digital-mortgage-platform-at-the-2024-fintech-breakthrough-awards?hsLang=en) [![AI Implementation in Mortgage Origination: Challenges and a Practical Approach](https://www.opercredits.com/hubfs/Imported_Blog_Media/6960bae76f9d1b553340cdf2_pexels-tima-miroshnichenko-7567487.jpg)](https://www.opercredits.com/blog/ai-implementation-in-mortgage-origination-challenges-and-a-practical-approach?hsLang=en) 5 min read #### [AI Implementation in Mortgage Origination: Challenges and a Practical Approach](https://www.opercredits.com/blog/ai-implementation-in-mortgage-origination-challenges-and-a-practical-approach?hsLang=en) [Geert Van Kerckhoven](https://www.opercredits.com/blog/author/geert-van-kerckhoven) : Jan 9, 2026, 12:00:00 AM The AI opportunity in mortgage origination today “What are the blockers stopping AI adoption in mortgages at the moment?” It’s a deceptively simple... [Productivity](https://www.opercredits.com/blog/tag/productivity) [Innovation](https://www.opercredits.com/blog/tag/innovation) [Read More](https://www.opercredits.com/blog/ai-implementation-in-mortgage-origination-challenges-and-a-practical-approach?hsLang=en) [![How can lenders use mortgage tech to boost accuracy of loan requests? 4 steps guide](https://www.opercredits.com/hubfs/Imported_Blog_Media/66795a24b61f98f81c01f17f_pexels-jopwell-2422293-(1).jpg)](https://www.opercredits.com/blog/how-can-lenders-boost-accuracy-of-mortgage-loan-requests-in-4-steps?hsLang=en) 3 min read #### [How can lenders use mortgage tech to boost accuracy of loan requests? 4 steps guide](https://www.opercredits.com/blog/how-can-lenders-boost-accuracy-of-mortgage-loan-requests-in-4-steps?hsLang=en) [Geert Van Kerckhoven](https://www.opercredits.com/blog/author/geert-van-kerckhoven) : Jun 24, 2024, 12:00:00 AM Despite the ongoing digitisation of financial services, mortgage origination remains manual and paper-based. This leads to significant inefficiencies... [Lenders](https://www.opercredits.com/blog/tag/lenders) [Productivity](https://www.opercredits.com/blog/tag/productivity) [Innovation](https://www.opercredits.com/blog/tag/innovation) [Read More](https://www.opercredits.com/blog/how-can-lenders-boost-accuracy-of-mortgage-loan-requests-in-4-steps?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", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Geert Van Kerckhoven", "url" : "https://www.opercredits.com/blog/author/geert-van-kerckhoven" }, "dateModified" : "2026-08-12T15:25:00.914Z", "datePublished" : "2024-01-16T23:00:00.000Z", "headline" : "More than mortgages: Oper's 2023 impact review - Oper Credits Blog", "image" : [ "https://www.opercredits.com/hubfs/Imported_Blog_Media/65a7c8e4e819897f4c346867_Oper-year-in-numbers-cover.png" ], "mainEntityOfPage" : { "@id" : "https://www.opercredits.com/blog/more-than-mortgages-opers-2023-impact-review", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://www.opercredits.com/hubfs/20260714_Oper%20Credits%20logo%20blue%20transparent.png" }, "name" : "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" } ```