Herman: Agentic AI for Mortgage Origination

Herman takes over the manual work your team does every day - document verification, data extraction, fact checking, policy application - and delivers a structured, explainable recommendation.

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Trusted by industry leaders

The underwriting bottleneck costs you speed, consistency, and capacity

The bottleneck isn’t the decision. It’s everything that happens before it: mortgage operations still rely on manual input, checks, and inconsistent judgement, which slows decisions and increases operational risk. Herman removes that bottleneck. From the moment documents are uploaded, he validates them, extracts and verifies borrower data, applies your credit policy, and delivers a fully explained, decision-ready recommendation.

Herman augments your mortgage team

Systematized expertise

Codify your best analysts’ judgment into explainable, auditable processes applied consistently across every application.

Proactive risk management

Remain auditable and consistent while freeing your team from routine checks so they can focus on meaningful exceptions, client interactions, and higher-value work.

Scalable capacity

Handle volume spikes without scaling headcount whilst guiding staff in real time - accelerating training and strengthening skills instead of letting them fade.

An enhanced mortgage journey - smarter, faster, more reliable

Oper’s Agentic AI doesn’t replace human interaction - it augments it. From the moment a loan request enters the system, our agentic AI begins working to deliver a pre-analyzed dossier that is accurate, transparent, and ready for human review.

Adoption without disruption

Bringing new technology into a banking environment often raises the same concerns: cost, disruption, and integration complexity.

Herman sits on top of your existing loan origination system and fits your operating model:

Headless/API, MCP, or Kafka integration - run Herman in your existing stack
Email, Chatbot or RPA connectors that provide lightweight options for rapid pilots
A ready-to-use UI option for institutions that prefer a full SaaS interface

Built for regulated financial institutions

Trust is not optional in mortgage underwriting — it is the foundation. Oper's Agentic AI has been built with governance, explainability, and compliance at its core. Every step of the process is designed to align with the EU AI Act’s framework for assistive systems, keeping human judgment at the center.

Human-in-the-loop

Human-in-the-loop workflows ensure oversight on critical decisions.

Testing

Guardrails and testing are in place to prevent errors from black-box models and to validate system reliability under real-world conditions.

Transparency

Explainability and governance features provide clear visibility into how each outcome is reached.

Audit logs

Audit logs document every action, creating confidence for internal compliance and external regulators alike.

With Oper’s Agentic AI, banks can adopt advanced technology without compromising their obligations to clients, supervisors, or regulators.

Klaus Kumpfmüller

CEO at HYPO Oberösterreich

"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."

Hans Vermeulen

CEO at onesto

“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.”

Attila Soós

Deputy CEO at Fundamenta-Lakáskassza

"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."

Yannick Grandjean

Digital Banking Manager at Bank Cler

‍“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.”

Herman Bruyland

Managing Director at Creafin

“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.”

Ready to see Herman work a real case?

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Decision-ready underwriting in minutes