--- title: "InFinance: Decision Speed Becomes Decisive in Dutch Mortgages | Oper" description: InFinance features Oper’s Mortgage Trends 2026 report, highlighting why decision speed and AI-driven credit decisioning are reshaping the Dutch mortgage market. image: https://www.opercredits.com/hubfs/Imported_Blog_Media/69a18ffcc6dd7537c0f6672d_infinance.png --- [Skip to the main content.](https://www.opercredits.com/blog/oper-coverage-in-infinance-why-decision-speed-now-wins-the-dutch-mortgage-market#main-content) [From 3 Days to 3 Minutes: How banks integrate AI into existing credit processes → Download new whitepaper](https://www.opercredits.com/whitepaper-from-3-days-to-3-minutes-ai-in-credit-processes?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) [![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) - 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) - 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 # Oper Coverage in “InFinance” - Why Decision Speed Now Wins the Dutch Mortgage Market [Geert Van Kerckhoven](https://www.opercredits.com/blog/author/geert-van-kerckhoven) : January 14, 2026 [Press](https://www.opercredits.com/blog/tag/press) ![Oper Coverage in “InFinance” - Why Decision Speed Now Wins the Dutch Mortgage Market](https://www.opercredits.com/hubfs/Imported_Blog_Media/69a18ffcc6dd7537c0f6672d_infinance.png) In its coverage of our *Mortgage Trends 2026* report, InFinance highlights a structural turning point in the Dutch mortgage market that aligns closely with our vision: decision speed is becoming the decisive competitive factor. We show that in an intermediary-driven, highly competitive landscape, the lender that can deliver a clear “yes” or “no” fastest increasingly wins the customer—regardless of a sharp rate or product proposition. Our analysis reveals that many lenders still need 9 to 14 working days to reach a final approval. While the digital front end of the journey (orientation, onboarding, document upload) is largely in good shape, the real bottleneck sits at the heart of the credit process: acceptance. Manual document checks, repeated rekeying of data, and human interpretation of complex credit policies remain the norm. This becomes especially painful in more complex cases—such as multiple income streams, sustainability measures, or policy exceptions—where roughly 20–30% of applications drive a disproportionate share of workload and lead time, leaving acceptance teams under sustained pressure. We also point out that AI could significantly improve efficiency, but its broader deployment is being held back not by technology, but by governance and regulatory questions around the EU AI Act, explainability, data quality, and human oversight. The coverage underscores our central message: lenders that fail to structurally improve decision speed risk losing competitiveness, no matter how attractive their price or product. For stakeholders across the mortgage value chain, this is a clear call to move from front-end digitisation to deep process transformation in credit decisioning. [Read the article in Dutch](https://infinance.nl/artikel/beslissnelheid-wordt-doorslaggevend-bij-hypotheken/)   - [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 [![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)](https://www.opercredits.com/blog/onesto-goes-live-with-herman?hsLang=en) 1 min read #### [Onesto goes live with Herman](https://www.opercredits.com/blog/onesto-goes-live-with-herman?hsLang=en) [Geert Van Kerckhoven](https://www.opercredits.com/blog/author/geert-van-kerckhoven) : Mar 18, 2026, 12:00:00 AM New Client Announcement Onesto, one of Belgium's leading social mortgage and renovation lenders, has deployed Herman to transform how its team... [Lenders](https://www.opercredits.com/blog/tag/lenders) [Belgium](https://www.opercredits.com/blog/tag/belgium) [Read More](https://www.opercredits.com/blog/onesto-goes-live-with-herman?hsLang=en) [![Oper Coverage in Finance Derivative: The Missing Link in Europe’s Digital Mortgage Transformation](https://www.opercredits.com/hubfs/Imported_Blog_Media/69a16d0c9255fbf7bd4c5851_finance-derivaitve.png)](https://www.opercredits.com/blog/oper-coverage-in-finance-derivative-the-missing-link-in-europes-digital-mortgage-transformation?hsLang=en) 1 min read #### [Oper Coverage in Finance Derivative: The Missing Link in Europe’s Digital Mortgage Transformation](https://www.opercredits.com/blog/oper-coverage-in-finance-derivative-the-missing-link-in-europes-digital-mortgage-transformation?hsLang=en) [Geert Van Kerckhoven](https://www.opercredits.com/blog/author/geert-van-kerckhoven) : Feb 27, 2026, 12:00:00 AM In this thought leadership piece for Finance Derivative, our CEO, Geert Van Kerckhoven, explores how Europe’s mortgage market has rebounded since the... [Press](https://www.opercredits.com/blog/tag/press) [Read More](https://www.opercredits.com/blog/oper-coverage-in-finance-derivative-the-missing-link-in-europes-digital-mortgage-transformation?hsLang=en) [![Oper Coverage in Paperjam - targeting Luxembourg with AI-assisted mortgage underwriting](https://www.opercredits.com/hubfs/Imported_Blog_Media/69a18ff350615b73fe088ba7_paperjam.png)](https://www.opercredits.com/blog/oper-coverage-in-paperjam-targeting-luxembourg-with-ai-assisted-mortgage-underwriting?hsLang=en) 1 min read #### [Oper Coverage in Paperjam - targeting Luxembourg with AI-assisted mortgage underwriting](https://www.opercredits.com/blog/oper-coverage-in-paperjam-targeting-luxembourg-with-ai-assisted-mortgage-underwriting?hsLang=en) [Geert Van Kerckhoven](https://www.opercredits.com/blog/author/geert-van-kerckhoven) : Jan 15, 2026, 12:00:00 AM Paperjam highlights our expansion into Luxembourg as a priority market for our AI-assisted mortgage underwriting platform. In the interview, our... 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