Stacc Mortgage Suite
Modular, highly automated and intelligent mortgages
Stacc Mortgage Suite empowers mortgage providers with cloud-native, API-first and highly composable software solutions for mortgage origination, from inquiry to disbursement, and mortgage servicing across the entire lifecycle.
Take advantage of the latest technologies and AI capabilities, enabling you to win more high-quality mortgage applications in less time and at lower cost, while offering digital-first, self-serve to your customers.
Stacc Mortgage Suite
Modular, highly automated and intelligent mortgages
Stacc Mortgage Suite empowers mortgage providers with cloud-native, API-first and highly composable software solutions for mortgage origination, from inquiry to disbursement, and mortgage servicing across the entire lifecycle.
Take advantage of the latest technologies and AI capabilities, enabling you to win more high-quality mortgage applications in less time and at lower cost, while offering digital-first, self-serve to your customers.
Stacc Mortgage Suite
Modular, highly automated and intelligent mortgages
Stacc Mortgage Suite empowers mortgage providers with cloud-native, API-first and highly composable software solutions for mortgage origination, from inquiry to disbursement, and mortgage servicing across the entire lifecycle.
Take advantage of the latest technologies and AI capabilities, enabling you to win more high-quality mortgage applications in less time and at lower cost, while offering digital-first, self-serve to your customers.
Stacc Mortgage Suite products are trusted by 70+ banks and 2,000+ advisors
Composable mortgage software
Composable mortgage software
Compose your own mortgage solution with 1, 2 or 3 products
Compose your own mortgage solution with 1, 2 or 3 products
Each product in Stacc Mortgage Suite is API-native and can be delivered standalone or in combination to compose your own mortgage offering.
Each product in Stacc Mortgage Suite is API-native and can be delivered standalone or in combination to compose your own mortgage offering.
Proven business impact delivered with Stacc Mortgage Suite
Win more high-quality mortgage applications.
In less time. At lower cost.
All of this while enabling 100% compliance and limitless innovation
50-75% faster application-to-approval journeys
Don't just meet borrower expectations. Exceed them.
Go from 2 weeks application-to-approval time to mere minutes in most cases and hours in the most complex mortgage cases.
100% end-to-end origination automation supported
No more fragmented, manually driven process across multiple systems.
Choose a modern, highly automated and intelligent process with all information in one accurate and reliable system.
80%+ reduction in advisor handling time per manual case
Handle deviations in task-based manner with all relevant information collected in one view for the case handler, often boosting case handler efficiency by 5-7x.
Save more than 1 hour per complex case handled. Powered by AI.
20-300% boost in application conversion
Delight your customers with a modern experience and feel the tangible effects on your portfolio.
Our customers typically see gains to application conversion from 20% or up to 300% in selected cases (with same staff), while reducing support center demand on application updates.
1-click audit trail
All data and documentation collected in the application, onboarding and credit process will be stored at the case in one, modern system for later audits.
The time to provide a complete audit trail for any application is literally the time needed to search and load the customer origination data.
50-75% faster application-to-approval journeys
Don't just meet borrower expectations. Exceed them.
Go from 2 weeks application-to-approval time to mere minutes in most cases and hours in the most complex mortgage cases.
100% end-to-end origination automation supported
No more fragmented, manually driven process across multiple systems.
Choose a modern, highly automated and intelligent process with all information in one accurate and reliable system.
80%+ reduction in advisor handling time per manual case
Handle deviations in task-based manner with all relevant information collected in one view for the case handler, often boosting case handler efficiency by 5-7x.
Save more than 1 hour per complex case handled. Powered by AI.
20-300% boost in application conversion
Delight your customers with a modern experience and feel the tangible effects on your portfolio.
Our customers typically see gains to application conversion from 20% or up to 300% in selected cases (with same staff), while reducing support center demand on application updates.
1-click audit trail
All data and documentation collected in the application, onboarding and credit process will be stored at the case in one, modern system for later audits.
The time to provide a complete audit trail for any application is literally the time needed to search and load the customer origination data.
50-75% faster application-to-approval journeys
Don't just meet borrower expectations. Exceed them.
Go from 2 weeks application-to-approval time to mere minutes in most cases and hours in the most complex mortgage cases.
100% end-to-end origination automation supported
No more fragmented, manually driven process across multiple systems.
Choose a modern, highly automated and intelligent process with all information in one accurate and reliable system.
80%+ reduction in advisor handling time per manual case
Handle deviations in task-based manner with all relevant information collected in one view for the case handler, often boosting case handler efficiency by 5-7x.
Save more than 1 hour per complex case handled. Powered by AI.
20-300% boost in application conversion
Delight your customers with a modern experience and feel the tangible effects on your portfolio.
Our customers typically see gains to application conversion from 20% or up to 300% in selected cases (with same staff), while reducing support center demand on application updates.
1-click audit trail
All data and documentation collected in the application, onboarding and credit process will be stored at the case in one, modern system for later audits.
The time to provide a complete audit trail for any application is literally the time needed to search and load the customer origination data.
Customer stories
Don't just listen to us
Explore how Stacc has transformed the mortgage origination or servicing operations of our mortgage customers.
You forget that you are actually doing mortgages because it is so simple.
Stacc Mortgage Origination customer
You forget that you are actually doing mortgages because it is so simple.
Stacc Mortgage Origination customer
You forget that you are actually doing mortgages because it is so simple.
Stacc Mortgage Origination customer
Why Stacc?
Why Stacc?
A world-class Mortgage Suite
A world-class Mortgage Suite
Credit-native solutions and expertise
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 mortgage providers.
We have done this hundreds of times. For decades.
Modular and highly intelligent components
Highly automated capabilities built-in
Quality consistency and compliance
Unbeatable time-to-value
Credit-native solutions and expertise
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 mortgage providers.
We have done this hundreds of times. For decades.
Modular and highly intelligent components
Highly automated capabilities built-in
Quality consistency and compliance
Unbeatable time-to-value
Credit-native solutions and expertise
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 mortgage providers.
We have done this hundreds of times. For decades.
Modular and highly intelligent components
Highly automated capabilities built-in
Quality consistency and compliance
Unbeatable time-to-value
Key features
Customer-centric and intelligent mortgages
We have everything you need to streamline mortgage origination and servicing.
Decision Engine Editor
Decision Engine Simulator
Embedded AI
Credit Process Tool
Enable real-time credit decisions aligned with your own business and policy rules across multiple parameters, specific to various countries and segments, with Stacc's Gartner® recognised Credit Decision Engine.
Edit rules with complete version history and audit trail. Plug in any AI model or inputs as part of the decision process.
Conduct A/B tests with your decision rules to optimise performance and drive better outcomes.
Decision Engine Editor
Decision Engine Simulator
Embedded AI
Credit Process Tool
Enable real-time credit decisions aligned with your own business and policy rules across multiple parameters, specific to various countries and segments, with Stacc's Gartner® recognised Credit Decision Engine.
Edit rules with complete version history and audit trail. Plug in any AI model or inputs as part of the decision process.
Conduct A/B tests with your decision rules to optimise performance and drive better outcomes.
Decision Engine Editor
Decision Engine Simulator
Embedded AI
Credit Process Tool
Enable real-time credit decisions aligned with your own business and policy rules across multiple parameters, specific to various countries and segments, with Stacc's Gartner® recognised Credit Decision Engine.
Edit rules with complete version history and audit trail. Plug in any AI model or inputs as part of the decision process.
Conduct A/B tests with your decision rules to optimise performance and drive better outcomes.
Enterprise-ready. Bank-grade by default.
Enterprise-ready. Bank-grade by default.
Digital transformation with bank-grade security, scalability and compliance
Digital transformation with bank-grade security, scalability and compliance
Stacc powers mission-critical workflows for Tier 1 leaders
Stacc powers mission-critical workflows for Tier 1 leaders
Security and compliance you can trust
SOC 2© Type 2 attestation report available and ISO 27001 certified
GDPR, NIS 2, DORA, EU AI Act, financial and ICT regulations
Custom instance with time-sensitive reporting plus extensive logging and audits
DevSecOps & CI/CD pipeline security, GRC platform, pen testing and continuous policy & risk monitoring
Scalable and flexible platform
Cloud- and API-native platform built for scale to any size
Supports 3M+ credit applications/year and 1,500+ concurrent users per installation with existing customers
End-to-end lifecycle with support for multi-country, multi-currency, multi-asset and multi-credit type
Integration-friendly and fully agnostic
Extensive service catalogue of 200+ pre-built integrations
Core, cloud and data agnostic, built for fast time-to-market
Self-serve, low-code/no-code configuration, tools and workflows
Proven reliability
40+ years of domain experience
280+ customers, including Nordic Tier 1 banks
ISO 9001 certified quality management
24/7/365 SLA-backed SaaS delivery with 99.95% uptime guarantees available
Channel-agnostic journeys and support for all channels
Provide mortgage applicants the comfort of starting an application in any channel - and complete it any channel.
Customer application
Best-practice starting point for a user-friendly mortgage application.
eID
eID
eID
e-Signatures
e-Signatures
e-Signatures
Data & documentation
Data & documentation
Data & documentation
AML & KYC checks
AML & KYC checks
AML & KYC checks
Credit scoring
Credit scoring
Credit scoring
Stacc Affordability API
Stacc Affordability API
Stacc Affordability API
MyPage
A self-service portal where customers can track manage their application or running mortgage.
Track application status
Track application status
Track application status
Request refinancing
Request refinancing
Request refinancing
Request interest-only period or payment holiday
Request interest-only period or payment holiday
Request interest-only period or payment holiday
Make additional payments
Make additional payments
Make additional payments
Change due date
Change due date
Change due date
Touchpoints
Additional touchpoints to support customer connection.
Customer chat
Customer chat
Customer chat
SMS/E-mail notification
SMS/E-mail notification
SMS/E-mail notification
Automated reminders
Automated reminders
Automated reminders
API-integrations with 3rd party platforms
API-integrations with 3rd party platforms
API-integrations with 3rd party platforms
Research & perspectives
FAQ
How can I efficiently manage my mortgage applications and mortgage portfolio?
How can I efficiently manage my mortgage applications and mortgage portfolio?
How can I efficiently manage my mortgage applications and mortgage portfolio?
How does Stacc ensure security and compliance?
How does Stacc ensure security and compliance?
How does Stacc ensure security and compliance?
Does Stacc Mortgage Suite integrate with existing systems?
Does Stacc Mortgage Suite integrate with existing systems?
Does Stacc Mortgage Suite integrate with existing systems?
What are the key components of Stacc Mortgage Suite?
What are the key components of Stacc Mortgage Suite?
What are the key components of Stacc Mortgage Suite?
What is the ROI of a mortgage management software like Stacc Mortgage Suite?
What is the ROI of a mortgage management software like Stacc Mortgage Suite?
What is the ROI of a mortgage management software like Stacc Mortgage Suite?
Book a demo
Book a demo
Ready to transform your mortgage offering?
Ready to transform your mortgage offering?
Experience the modern, highly automated and intelligent value of Stacc Mortgage Suite
Experience the modern, highly automated and intelligent value of Stacc Mortgage Suite
Disclaimer: GARTNER is a registered trademark and service mark of Gartner, Inc. and/or its affiliates in the U.S. and internationally and is used herein with permission. Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. Gartner research publications consist of the opinions of Gartner’s research organization and should not be construed as statements of fact. Gartner disclaims all warranties, expressed or implied, with respect to this research, including any warranties of merchantability or fitness for a particular purpose.
Stacc has been recognised by Gartner© as 1 out of 8 named Sample Vendors globally of Credit Decision Engines in the recent publication by the research firm: Hype Cycle™ for Bank Lending, 2025, published on July 28, 2025, by analyst Derek Frost.
Stacc has been recognised by Gartner© as 1 out of 8 named Sample Vendors globally of Credit Decision Engines in the recent publication by the research firm: Hype Cycle™ for Bank Lending, 2025, published on July 28, 2025, by analyst Derek Frost.