--- title: "Onesto Launches Herman: Faster, Compliant Mortgage Decisions" description: Onesto goes live with Herman, Oper’s AI underwriting agent, automating document validation, data extraction, fact-checking, and policy checks to speed up mortgage decisions while staying fully compliant and keeping humans in control. image: https://www.opercredits.com/hubfs/Imported_Blog_Media/69b9899b6ac6877c70ef0cde_WhatsApp-Image-2026-03-17-at-18_00_37-(2).jpg --- [Skip to the main content.](https://www.opercredits.com/blog/onesto-goes-live-with-herman#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) 1 min read # Onesto goes live with Herman [Geert Van Kerckhoven](https://www.opercredits.com/blog/author/geert-van-kerckhoven) : March 17, 2026 [Lenders](https://www.opercredits.com/blog/tag/lenders) [Belgium](https://www.opercredits.com/blog/tag/belgium) ![Onesto goes live with Herman](https://www.opercredits.com/hubfs/Imported_Blog_Media/69b9899b6ac6877c70ef0cde_WhatsApp-Image-2026-03-17-at-18_00_37-(2).jpg) ## **New Client Announcement**   Onesto, one of Belgium's leading social mortgage and renovation lenders, has deployed Herman to transform how its team processes loan applications. With a mission centered on long-term, affordable homeownership for families, Onesto needed a solution that could handle the administrative complexity of mortgage processing - without losing the human attention each applicant deserves. Herman now automates document validation, data extraction, fact-checking, and credit policy checks across Onesto's mortgage applications. The result: analysts spend less time navigating paperwork and more time understanding the person behind each file - assessing financial resilience and connecting borrowers to renovation advice through Onesto's One-Stop Shop model. *"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 Vermeulen, CEO, Onesto. *"Herman automates the full mortgage underwriting workflow - document validation, data extraction, fact-checking, policy application - in minutes rather than hours. What makes Onesto's case particularly compelling is the complexity involved: renovation financing, many document types, and detailed policy requirements that would typically demand significant analyst time on every single file. Onesto is a strong example of what responsible AI adoption in lending looks like in practice.*” - Geert Van Kerckhoven, CEO Oper Credits. - [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 [![New client alert - Oper Credits welcomes a leading Belgian bank as a new customer](https://www.opercredits.com/hubfs/Imported_Blog_Media/69958927f72aa5e2712c1af2_new-client-announcement.png)](https://www.opercredits.com/blog/new-client-alert-oper-credits-welcomes-a-leading-belgian-cooperative-bank-as-a-new-customer?hsLang=en) 1 min read #### [New client alert - Oper Credits welcomes a leading Belgian bank as a new customer](https://www.opercredits.com/blog/new-client-alert-oper-credits-welcomes-a-leading-belgian-cooperative-bank-as-a-new-customer?hsLang=en) [Geert Van Kerckhoven](https://www.opercredits.com/blog/author/geert-van-kerckhoven) : Feb 18, 2026, 12:00:00 AM Oper Credits is proud to welcome a leading Belgian bank as a new customer. The bank is taking an important step in strengthening its digital mortgage... [Lenders](https://www.opercredits.com/blog/tag/lenders) [Belgium](https://www.opercredits.com/blog/tag/belgium) [Conversion](https://www.opercredits.com/blog/tag/conversion) [Read More](https://www.opercredits.com/blog/new-client-alert-oper-credits-welcomes-a-leading-belgian-cooperative-bank-as-a-new-customer?hsLang=en) [![Oper Credits raises €11M in series A funding to shake up the European mortgage market](https://www.opercredits.com/hubfs/Imported_Blog_Media/6511c8b5642c8b7f6687bae7_62e7a41f43187d8526eeafe2_Untitled-design-1.png)](https://www.opercredits.com/blog/oper-credits-raises-eu11m-in-series-a-funding-to-shake-up-the-european-mortgage-market?hsLang=en) 3 min read #### [Oper Credits raises €11M in series A funding to shake up the European mortgage market](https://www.opercredits.com/blog/oper-credits-raises-eu11m-in-series-a-funding-to-shake-up-the-european-mortgage-market?hsLang=en) [Geert Van Kerckhoven](https://www.opercredits.com/blog/author/geert-van-kerckhoven) : Aug 1, 2022, 12:00:00 AM Funding led by Bessemer Venture Partners & ABN AMRO Ventures In total it has closed around €1bn of mortgage loans and in the last year has seen its... [Lenders](https://www.opercredits.com/blog/tag/lenders) [Innovation](https://www.opercredits.com/blog/tag/innovation) [Read More](https://www.opercredits.com/blog/oper-credits-raises-eu11m-in-series-a-funding-to-shake-up-the-european-mortgage-market?hsLang=en) [![Embracing Open Finance: Exploring the Potential of PSD3 for the Mortgage Industry in the EU](https://www.opercredits.com/hubfs/Imported_Blog_Media/6511c8b3a6f2b3426fdf5245_649d856da8aa6221cbed21d8_guillaume-perigois-0NRkVddA2fw-unsplash.jpg)](https://www.opercredits.com/blog/embracing-open-finance-exploring-the-potential-of-psd3-for-the-mortgage-industry-in-the-eu?hsLang=en) 4 min read #### [Embracing Open Finance: Exploring the Potential of PSD3 for the Mortgage Industry in the EU](https://www.opercredits.com/blog/embracing-open-finance-exploring-the-potential-of-psd3-for-the-mortgage-industry-in-the-eu?hsLang=en) [Geert Van Kerckhoven](https://www.opercredits.com/blog/author/geert-van-kerckhoven) : Jun 29, 2023, 12:00:00 AM These are set to revolutionise how consumers interact with their financial institutions including mortgage providers, empowering them with greater... [Lenders](https://www.opercredits.com/blog/tag/lenders) [Innovation](https://www.opercredits.com/blog/tag/innovation) [Open Finance](https://www.opercredits.com/blog/tag/open-finance) [Read More](https://www.opercredits.com/blog/embracing-open-finance-exploring-the-potential-of-psd3-for-the-mortgage-industry-in-the-eu?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" : "2026-08-12T15:24:51.124Z", "datePublished" : "2026-03-17T23:00:00.000Z", "headline" : "Onesto Launches Herman: Faster, Compliant Mortgage Decisions", "image" : [ "https://www.opercredits.com/hubfs/Imported_Blog_Media/69b9899b6ac6877c70ef0cde_WhatsApp-Image-2026-03-17-at-18_00_37-(2).jpg" ], "mainEntityOfPage" : { "@id" : "https://www.opercredits.com/blog/onesto-goes-live-with-herman", "@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" } ```