Herman: Agentic AI for Mortgage Origination

Oper’s Agentic AI understands your Credit Policies and automates every Loan Assessment – accurate, compliant, and ready for Human Review.

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Trusted by industry leaders

Scale Expert Knowledge And Have Your Best People Deliver 10x more

Mortgage Origination is human-driven, but it doesn't need to suffer from Scalability Issues when demand spikes. Oper’s Agentic AI overcomes bottlenecks by capturing Expert judgment and turning it into reliable, scalable workflows that fill process gaps.

Unlock The Next Phase For Your 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 proportional hiring while 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.

The Process Includes

Automated classification and data extraction that handles even complex document sets.

Every validated loan request is verified against a bank’s dynamic risk policy and credit policies.

Data cross-checks across internal, external and 3rd party data and document sources

Every recommendation and automated action made by the Agent is logged in a transparent audit trail.

Document and data validation to ensure every loan request is complete and accurate.

Adoption As Easy Or Comprehensive As You Like

Introducing new technology into a banking environment often comes with concerns about cost, disruption, and integration complexity.

Agentic AI is designed to remove those barriers. Banks can adopt the solution in whichever way best fits their operating model:

Headless/API, MCP, or Kafka integration
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."

Trust by Design

Trust is not optional in mortgage underwriting — it is the foundation. 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.

As Extensive As Your Process Needs

Oper’s Agentic AI begins with underwriting, but it doesn’t end there. The same framework can extend across the mortgage lifecycle, creating a foundation for continuous innovation. Beyond loan analysis and decision support, the system can evolve to power:

Mortgage product recommendations tailored to borrower profiles.
Payout processes that apply the same discipline of automation and auditability.
Future advisory use cases, leveraging the modular agent architecture to expand step by step.

By adopting Oper’s Agentic AI today, banks not only solve immediate bottlenecks but also position themselves for long-term resilience and transformation.

Mortgage technology trusted by industry leaders

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."

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.”

Experience the future of credit decisions

Discover how your bank can accelerate credit assessments and reduce errors while staying fully compliant.