Stacc Advanced Underwriting for Mortgage
Market leading advisory software for mortgage lenders
More than 70 banks and other lenders use Stacc Advanced Underwriting for Mortgage, a specialised affordability and collaterals engine to support loan origination processes and provide thorough financial advice to consumers on a daily basis.
Stacc Advanced Underwriting for Mortgage
Market leading advisory software for mortgage lenders
More than 70 banks and other lenders use Stacc Advanced Underwriting for Mortgage, a specialised affordability and collaterals engine to support loan origination processes and provide thorough financial advice to consumers on a daily basis.
Stacc Advanced Underwriting for Mortgage
Market leading advisory software for mortgage lenders
More than 70 banks and other lenders use Stacc Advanced Underwriting for Mortgage, a specialised affordability and collaterals engine to support loan origination processes and provide thorough financial advice to consumers on a daily basis.
Advanced underwriting for mortgages
Stakeholders
Affordability
Collaterals Overview
Collaterals Matrix
Decision
Stakeholders
Affordability
Collaterals Overview
Collaterals Matrix
Decision
Stacc Advanced Underwriting for Mortgage
Trusted by 70+ banks & lenders and 2,000+ advisors daily
Business value with Stacc Advanced Underwriting for Mortgage
Business value with Stacc Advanced Underwriting for Mortgage
Transforming manual cases into scalable decisions
Transforming manual cases into scalable decisions
Deliver personalised financial insights
Accelerate complex credit decisions
Optimise collateral and exposure
Empower advisors with smart tools
Ensure compliance and transparency
Tailor insights for every household
Stacc gives advisors a real-time, holistic view of each household’s financial situation by combining income, debt, assets, expenses and family structure. Key metrics like affordability and debt-to-income are calculated instantly, using both automated and advisor-supplied data—allowing the bank to provide relevant, data-driven advice that strengthens customer relationships.
Deliver personalised financial insights
Accelerate complex credit decisions
Optimise collateral and exposure
Empower advisors with smart tools
Ensure compliance and transparency
Tailor insights for every household
Stacc gives advisors a real-time, holistic view of each household’s financial situation by combining income, debt, assets, expenses and family structure. Key metrics like affordability and debt-to-income are calculated instantly, using both automated and advisor-supplied data—allowing the bank to provide relevant, data-driven advice that strengthens customer relationships.
Deliver personalised financial insights
Accelerate complex credit decisions
Optimise collateral and exposure
Empower advisors with smart tools
Ensure compliance and transparency
Tailor insights for every household
Stacc gives advisors a real-time, holistic view of each household’s financial situation by combining income, debt, assets, expenses and family structure. Key metrics like affordability and debt-to-income are calculated instantly, using both automated and advisor-supplied data—allowing the bank to provide relevant, data-driven advice that strengthens customer relationships.
Customer stories
Don't just listen to us
Hear how Stacc has helped our customers transform manual mortgage cases into scalable decisions.
Why Stacc?
The market leading underwriting engine
Credit-native solutions and expertise
360° real-time affordability analysis
Advanced collateral matrix
Cloud and API-native
Unbeatable time-to-value
Take comfort in working with 200+ credit and tech experts with more than 40 years of experience in the credit domain - focused on the advanced needs of lenders - in particular mortgage providers. We have done this hundreds of times. For decades. Stacc Advanced Underwriting for Mortgage dates back to 1981.
Why Stacc?
The market leading underwriting engine
Credit-native solutions and expertise
360° real-time affordability analysis
Advanced collateral matrix
Cloud and API-native
Unbeatable time-to-value
Take comfort in working with 200+ credit and tech experts with more than 40 years of experience in the credit domain - focused on the advanced needs of lenders - in particular mortgage providers. We have done this hundreds of times. For decades. Stacc Advanced Underwriting for Mortgage dates back to 1981.
Why Stacc?
The market leading underwriting engine
Credit-native solutions and expertise
360° real-time affordability analysis
Advanced collateral matrix
Cloud and API-native
Unbeatable time-to-value
Take comfort in working with 200+ credit and tech experts with more than 40 years of experience in the credit domain - focused on the advanced needs of lenders - in particular mortgage providers. We have done this hundreds of times. For decades. Stacc Advanced Underwriting for Mortgage dates back to 1981.
360° real-time affordability analysis
A robust solution for modern mortgage advisory
Unique financial analysis tool, providing a 360° financial analysis of retail customers, particularly adapted to support credit and advisory processes related to mortgages and other retail credit products. Handle all combinations of financial analysis in the same solution. No more window juggling.
Any life situation
Applicant journeys
Moving together
Households
Disability
Divorce
Unemployment
Having children
Guarantors
Separation
New economics
First home
Any financial analysis
Financial analyses
Current financial situation
Affordability calculation
Simulation of debt scenarios
New economics
Cost of living and liquidity
Risk sensitivity
Future pensions
Advanced collaterals matrix
Connect loans, collateral and confidence
From intake to insight, Stacc Advanced Underwriting for Mortgage lets advisors manage agreements and collateral with ease. The intuitive collateral matrix and clear exposure visuals help banks maximise security and lending potential with confidence.
Any agreement
Collateral agreements
Real estate
Housing cooperative share
Vehicle / Fleet
Movables
Aircrafts
Ships
Purchase contract
Aquaculture
Generic
Accounts collateral
Securities collateral
Transport declaration
Securityship
Any object
Collateral objects
Real estate
Housing cooperative share
Vehicle / Fleet
Movables
Aircrafts
Ships
Purchase contract
Aquaculture
Stacc Affordability API
Affordability insights, delivered instantly
Make smarter credit decisions with the Stacc Affordability API — the trusted Nordic engine for liquidity assessments. Fast, transparent and consistent, it powers everything from self-service to underwriting with accuracy and control.
Stacc Affordability API
Affordability insights, delivered instantly
Make smarter credit decisions with the Stacc Affordability API — the trusted Nordic engine for liquidity assessments. Fast, transparent and consistent, it powers everything from self-service to underwriting with accuracy and control.
Stacc Affordability API
Affordability insights, delivered instantly
Make smarter credit decisions with the Stacc Affordability API — the trusted Nordic engine for liquidity assessments. Fast, transparent and consistent, it powers everything from self-service to underwriting with accuracy and control.
Built for precision, powered by context
The Stacc Affordability API offers market-leading financial insights for mortgage and credit decisions.
It analyzes everything from income and tax to household structure and assets to produce a highly accurate model – powering everything from loan applications to underwriting.
Self-service that empowers compliance and agility
Take charge with the integrated Affordability Control Panel.
Edit default values, configure assumptions, and simulate “what if” cases – all with full auditability and version control. Adapt to market changes without a single code update.
Consistency across channels
One model, all channels
Ensure coherent customer journeys and compliant decisions with one shared affordability engine. Whether manual or automated, all channels rely on the same robust, tax-updated Affordability model – reducing complexity and risk.
Consistency across channels
One model, all channels
Ensure coherent customer journeys and compliant decisions with one shared affordability engine. Whether manual or automated, all channels rely on the same robust, tax-updated Affordability model – reducing complexity and risk.
Explore other solutions by Stacc
Explore other solutions by Stacc
Explore other solutions by Stacc
FAQ
What is Stacc Advanced Underwriting for Mortgage, and what problems does it solve for banks?
What is Stacc Advanced Underwriting for Mortgage, and what problems does it solve for banks?
What is Stacc Advanced Underwriting for Mortgage, and what problems does it solve for banks?
How does the product support compliance with regulatory and internal credit policies?
How does the product support compliance with regulatory and internal credit policies?
How does the product support compliance with regulatory and internal credit policies?
Can the solution be customised to match our bank’s internal workflows and preferences?
Can the solution be customised to match our bank’s internal workflows and preferences?
Can the solution be customised to match our bank’s internal workflows and preferences?
What type of data integrations are supported with our existing core banking systems?
What type of data integrations are supported with our existing core banking systems?
What type of data integrations are supported with our existing core banking systems?
How does the system handle complex cases involving multiple stakeholders or households?
How does the system handle complex cases involving multiple stakeholders or households?
How does the system handle complex cases involving multiple stakeholders or households?
What types of collaterals and products are supported in the underwriting process?
What types of collaterals and products are supported in the underwriting process?
What types of collaterals and products are supported in the underwriting process?
What outputs or reports can advisors generate, and how are these used in the decision process?
What outputs or reports can advisors generate, and how are these used in the decision process?
What outputs or reports can advisors generate, and how are these used in the decision process?
Book a demo
Book a demo
Ready to transform your mortgage offering?
Ready to transform your mortgage offering?
Experience the modern and and intelligent value of Stacc Advanced Underwriting for Mortgage
Experience the modern and and intelligent value of Stacc Advanced Underwriting for Mortgage