Underwrite 80% faster with explainable AI
Herman turns complex mortgage files into decision-ready recommendations. Every suggestion comes with reasoning your team and regulators can trust.
Trusted by innovative lenders across Europe
Why Manual Mortgage Underwriting Is Costing You
In mortgage lending, time-to-yes is the decisive metric. Every day of delay costs revenue, customer trust, and competitive position.
Analyst time per complex mortgage case, spent on manual document review and cross-checking.
From application to final credit decision — while borrowers wait and competitors act faster.
Of cases require rework due to inconsistent decisions, missed conditions, or incomplete analysis.
How Herman Automates Mortgage Underwriting
Three steps from document pile to decision-ready recommendation.
Intake
Submit your mortgage file — any format, any language. Tax returns, payslips, bank statements, property valuations.
Analyze
Herman reads, extracts, cross-checks, and applies your credit policy. Every data point is sourced and verified.
Decide
Review a decision-ready recommendation with a full audit trail. Accept, adjust, or override — you stay in control.
Herman's Impact on Underwriting Performance
Herman delivers measurable impact from day one — faster processing, higher accuracy, and full explainability across every decision.
Herman's AI Underwriting Features
Every capability is designed with mortgage underwriters in mind — transparent, auditable, and ready for regulatory scrutiny.
Explainable AI
Every recommendation comes with reasoning tied to your credit policy and source documents. No black boxes.
Human-in-the-Loop
Analysts remain the final decision-makers. Herman handles the investigative work so your team can focus on judgment.
EU AI Act Ready
ComplianceDesigned as an assistive AI agent — fully aligned with high-risk use case requirements under the EU AI Act.
LLM Agnostic
Not locked into a single model. Herman orchestrates the best tool for the job — GPT, Claude, Gemini, or open-source.
LOS Integration
Connects to any loan origination or core banking system via headless API. Your workflows stay intact.
Audit Excellence
TrustEvery task is logged. Every decision is traceable. 98.7% audit pass rate across all client deployments.
Processing Speed
From hours of document checks to minutes of structured review. Cut time-to-decision by up to 80%.
Fairness Monitoring
ComplianceContinuous monitoring for fair lending outcomes across all protected classes. Bias detection built in.
What Lenders Say About Herman
Hear from lenders who have transformed their underwriting process with Herman.
“Herman processed our entire backlog in a weekend. What used to take our team three weeks of overtime happened automatically — with better consistency than we ever achieved manually.”
“The explainability is what sold our compliance team. Every recommendation has a clear paper trail that our regulators can follow. We passed our last NCUA review without a single finding.”
“We went from pilot to production in six weeks. The API integration with our loan origination system was seamless — no rip and replace, just a clean plug-in.”
How Herman Integrates With Your LOS
No rip and replace. Herman connects to your systems via a headless API. Your workflows stay intact — Herman just makes them faster.
Plug into any loan origination system via headless API
Connect to core banking platforms and data warehouses
Let analysts interact with Herman via chat or co-pilot UI
1// Submit a mortgage file for analysis2const assessment = await herman.analyze({3 file: "mortgage-application-2024-0892.pdf",4 policy: "retail-standard-v3",5 options: {6 language: "auto",7 explainability: "full",8 humanReview: true,9 }10});1112// Response13{14 decision: "APPROVE_WITH_CONDITIONS",15 confidence: 0.94,16 riskScore: 72,17 conditions: [18 "Verify employment via latest payslip",19 "Property valuation within 5% of estimate"20 ],21 auditTrail: "https://herman.oper.ai/trace/a8f3..."22}Herman's Security & Compliance Certifications
Your data stays yours. Bank-grade security with complete regulatory transparency.
Continuous bias monitoring across protected classes.
Your data never leaves your infrastructure.
Ready to Transform Your Underwriting?
Join leading lenders who process mortgage files 80% faster with full explainability and regulatory confidence.
Live in weeks, not months · Bank-side deployment · Your data stays yours