Does Stacc use AI in its credit platform?

Yes. Stacc takes a credit-native AI approach: the credit decision stays deterministic, governed by explicit rules, while AI plugs in everywhere it adds value — conversational applications via voice or chat (Deterministic Agentic Lending), document intelligence with attribution-first tracing (Verifiable Document AI), and automated scenario modelling against the bank's credit rules (Route-to-Yes). Banks can plug any AI model into the decision process through self-serve, no-code interfaces.

What is credit-native AI?

Credit-native AI is Stacc's framing for AI in lending: AI assists credit decisions rather than making them autonomously. Decisions remain explicit and auditable — the bank can show exactly which rules produced any outcome. Credit logic stays independent of specific AI models, so models can be updated without rebuilding the system.

Which financial institutions use Stacc?

Stacc powers 115+ financial institutions across the Nordics and Europe, including DNB, SBAB, Eika Gruppen (50+ Norwegian local banks), Aprila Bank, Bane NOR, Alphabet Denmark, and Autolease. Stacc has 200+ employees (70% software developers), 324 MNOK revenue in 2025 with 9.4% EBITDA margin, 42% revenue CAGR since 2016, and 45% of revenue outside Norway. Gartner Sample Vendor for Credit Decision Engines (2025).

Is Stacc compliant with the EU AI Act?

Yes. Stacc's credit-native AI architecture meets EU AI Act explainability requirements: credit decisions stay deterministic, every AI-assisted step is logged, and credit logic is independent of specific AI models. Stacc is ISO 27001:2022, SOC 2 Type 2, and ISO/IEC 9001:2015 certified, with EU/EEA data storage and built-in compliance for GDPR, DORA, and NIS 2.

What is mortgage underwriting software?

Mortgage underwriting software automates the assessment of a borrower's ability to repay a mortgage loan. Stacc Mortgage Underwriting evaluates income, expenses, existing debt, and collateral value to determine affordability and appropriate lending terms.

How does the affordability engine work?

The engine automatically retrieves income data, calculates debt-to-income ratios, performs stress testing against interest rate scenarios, and applies regulatory affordability rules. This enables consistent, compliant underwriting decisions at speed.

How are property collaterals managed?

Stacc integrates with property valuation services to track collateral values, monitor loan-to-value ratios, and manage security documentation. Automated revaluation triggers ensure LTV compliance throughout the loan lifecycle.

Stacc Mortgage Underwriting

Market leading advisory software for mortgage lenders

More than 70 banks and other lenders use Stacc Mortgage Underwriting, a specialised affordability and collaterals engine to support loan origination processes and provide thorough financial advice to consumers on a daily basis.

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Visit Trust Center

Stacc Mortgage Underwriting

Market leading advisory software for mortgage lenders

Request Demo

Trust Center

Stacc Mortgage Underwriting

Market leading advisory software for mortgage lenders

Request a Demo

Visit Trust Center

Trusted by 70+ banks & lenders and 2,000+ advisors daily

Advanced underwriting for mortgages

Stakeholders
Affordability
Collaterals Overview
Collaterals Matrix
Decision

Stakeholders
Affordability
Collaterals Overview
Collaterals Matrix
Decision

Business value with Stacc Mortgage Underwriting

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

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

Customer stories

Don't just listen to us

Hear how Stacc Mortgage Underwriting has helped our customers transform manual mortgage cases into scalable decisions.

Customer stories

Don't just listen to us

Hear how Stacc Mortgage Underwriting has helped our customers transform manual mortgage cases into scalable decisions.

View customer stories ->

View customer stories

NEW CUSTOMER

DNB chooses Stacc to revolutionise mortgages in Norway

Stacc Mortgage Suite

A digital and automated end-to-end mortgage solution

Advanced Underwriting

Data-driven credit decision insights on liquidity and collaterals

New customer

SBAB selects Stacc for mortgage digitalisation and automation

NEW CUSTOMER

DNB chooses Stacc to revolutionise mortgages in Norway

Advanced Underwriting

Data-driven credit decision insights on liquidity and collaterals

Stacc Mortgage Suite

A digital and automated end-to-end mortgage solution

New customer

SBAB selects Stacc for mortgage digitalisation and automation

Why Stacc Mortgage Underwriting?

The market leading underwriting engine

Credit-native solutions and expertise

Take comfort in working with 200+ credit and tech experts with more than 45 years of experience in the credit domain - focused on the advanced needs of 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

Advanced collaterals matrix

Cloud and API-native

Superior Time-to-Value

Credit-native solutions and expertise

Take comfort in working with 200+ credit and tech experts with more than 45 years of experience in the credit domain - focused on the advanced needs of 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

Advanced collaterals matrix

Cloud and API-native

Superior Time-to-Value

Why Stacc Mortgage Underwriting?

The market leading underwriting engine

Credit-native solutions and expertise

Take comfort in working with 200+ credit and tech experts with more than 45 years of experience in the credit domain - focused on the advanced needs of 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

Advanced collaterals matrix

Cloud and API-native

Superior Time-to-Value

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 in together
Households
Disability
Divorce
Unemployment
Having children
Guarantors
Separation
New economics
First home

Any financial analysis

Financial analyses

Current financial situation
Affordability calculation
Debt scenario simulation
Changed financial situation
Cost of living & liquidity
Risk tolerance
Future pensions

Advanced collaterals matrix

Connect loans, collateral and confidence

From intake to insight, Stacc Mortgage Underwriting 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
Aircraft
Ships
Purchase contract
Aquaculture
Generic
Accounts collateral
Securities collateral
Transport declaration
Suretyship

Any object

Collateral objects

Real estate
Housing cooperative share
Vehicle / Fleet
Movables
Aircraft
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.

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.

Icons illustration showing software features

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.

Icons with descriptions of software features

Explore other solutions by Stacc

Stacc Mortgage Suite

Stacc Mortgage Suite empowers mortgage providers to automate all applications, customer onboarding, credit processes, payouts and lifecycle handling of loans with cloud-native and highly composable mortgage origination and servicing products.

Stacc Mortgage Suite

Stacc Unsecured Consumer Lending

Enjoy automated loan origination, task-based case management and smart loan servicing across unsecured loans, refinancing, revolving credits, credit cards. Handle the entire loan lifecycle with the speed and control you need.

Stacc Unsecured Consumer Lending

Stacc Asset Finance Suite

Stacc Asset Finance Suite enables banks and finance providers to streamline leasing and automotive and equipment financing—from initial quoting and application to contract management and payout—through cloud-native, modular solutions designed for efficient origination, credit assessment and lifecycle handling of asset-based loans.

Stacc Asset Finance Suite

Resources

Explore recent research

Resources

Explore recent research

View all research

The Architecture Behind Yes

AMLR 2027: From Deadline to Advantage: Designing a Continuous KYC, KYB and AML Operating Model

Evaluating Buy or Build for Mortgage Origination Software

De-risking procurement in digital banking transformation projects

AI in Loan Origination: The Case for Credit-Native AI

The Stacc way of working

FAQ

What is Stacc Mortgage Underwriting, and what problems does it solve for banks?

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?

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?

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?

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Experience the modern and and intelligent value of Stacc Mortgage Underwriting