# Oper Credits

**Canonical:** https://apis.io/providers/oper-credits/  
**Website:** https://opercredits.com/  
**APIs profiled:** 52

Oper Credits is a Belgian digital mortgage origination platform (Brussels, founded 2019) that lets banks, lenders, insurers, and brokers offer and process end-to-end digital mortgages. Its white-labelled, multi-tenant Oper Connect platform exposes a JWT-authenticated REST API organized around the loan request as the central object, under which borrowers, properties, offers, documents, guarantees, and decisions are nested, plus a versioned loan-request webhook surface and an AI underwriting agent ("Herman") that automates document collection, extraction, verification, and policy analysis. The platform is ISO/IEC 27001 certified and GDPR compliant.

## Kin Score — 41.5 / 100 (developing)

Scored 2026-08-21 under rubric 0.12.0. Trend: flat (+0.0 from 41.5).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 53.1 |
| Governance | 30.3 |
| Contract Governance | 30.3 |
| Operational Transparency | 21.1 |
| Developer Ergonomics | 20.8 |
| Commercial Clarity | 36.8 |
| Access Clarity | 36.8 |

Regulatory layer — **Banking & Open Finance**: 45.6 (matched via tags).

## Agent readiness — 41.7 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | verified |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | documented |
| OpenAPI Examples | partial |
| Rate Limit Signal | no |
| Event Surface Described | yes |
| Agent Skills | derived |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (52)

- **Oper Credits Agent Documents API** — The Agent Documents API from Oper Credits — 2 operation(s) for agent documents.
- **Oper Credits Appointment Booking Websites API** — The Appointment Booking Websites API from Oper Credits — 2 operation(s) for appointment booking websites.
- **Oper Credits Approvals API** — The Approvals API from Oper Credits — 6 operation(s) for approvals.
- **Oper Credits Bank Release Policy API** — The Bank Release Policy API from Oper Credits — 1 operation(s) for bank release policy.
- **Oper Credits Base Products API** — The Base Products API from Oper Credits — 12 operation(s) for base products.
- **Oper Credits Calculate API** — The Calculate API from Oper Credits — 7 operation(s) for calculate.
- **Oper Credits Check Invite Token API** — The Check Invite Token API from Oper Credits — 1 operation(s) for check invite token.
- **Oper Credits Check Reset Password API** — The Check Reset Password API from Oper Credits — 1 operation(s) for check reset password.
- **Oper Credits Client Users API** — The Client Users API from Oper Credits — 2 operation(s) for client users.
- **Oper Credits Clients API** — The Clients API from Oper Credits — 2 operation(s) for clients.
- **Oper Credits Commissions API** — The Commissions API from Oper Credits — 8 operation(s) for commissions.
- **Oper Credits Communication History API** — The Communication History API from Oper Credits — 2 operation(s) for communication history.
- **Oper Credits Connective API** — The Connective API from Oper Credits — 2 operation(s) for connective.
- **Oper Credits Contact Advisor API** — The Contact Advisor API from Oper Credits — 1 operation(s) for contact advisor.
- **Oper Credits Contact API** — The Contact API from Oper Credits — 1 operation(s) for contact.
- **Oper Credits Contact Policy API** — The Contact Policy API from Oper Credits — 1 operation(s) for contact policy.
- **Oper Credits Credit Providers API** — The Credit Providers API from Oper Credits — 1 operation(s) for credit providers.
- **Oper Credits Documentation Library API** — The Documentation Library API from Oper Credits — 4 operation(s) for documentation library.
- **Oper Credits Documents API** — The Documents API from Oper Credits — 2 operation(s) for documents.
- **Oper Credits Easy Audit API** — The Easy Audit API from Oper Credits — 1 operation(s) for easy audit.
- **Oper Credits Forgot Password API** — The Forgot Password API from Oper Credits — 1 operation(s) for forgot password.
- **Oper Credits Gdpr Policy API** — The Gdpr Policy API from Oper Credits — 1 operation(s) for gdpr policy.
- **Oper Credits Health API** — The Health API from Oper Credits — 1 operation(s) for health.
- **Oper Credits Integrations API** — The Integrations API from Oper Credits — 2 operation(s) for integrations.
- **Oper Credits Internaldocuments API** — The Internaldocuments API from Oper Credits — 3 operation(s) for internaldocuments.
- **Oper Credits Jwt API** — The Jwt API from Oper Credits — 2 operation(s) for jwt.
- **Oper Credits Legal Links API** — The Legal Links API from Oper Credits — 2 operation(s) for legal links.
- **Oper Credits Library API** — The Library API from Oper Credits — 2 operation(s) for library.
- **Oper Credits Loan Requests API** — The Loan Requests API from Oper Credits — 113 operation(s) for loan requests.
- **Oper Credits Loan Requests Client Info API** — The Loan Requests Client Info API from Oper Credits — 1 operation(s) for loan requests client info.
- **Oper Credits Main API** — The Main API from Oper Credits — 30 operation(s) for main.
- **Oper Credits Me API** — The Me API from Oper Credits — 8 operation(s) for me.
- **Oper Credits Metrics API** — The Metrics API from Oper Credits — 1 operation(s) for metrics.
- **Oper Credits Model Fields API** — The Model Fields API from Oper Credits — 1 operation(s) for model fields.
- **Oper Credits Pricing API** — The Pricing API from Oper Credits — 1 operation(s) for pricing.
- **Oper Credits Privacy Policy API** — The Privacy Policy API from Oper Credits — 1 operation(s) for privacy policy.
- **Oper Credits Products API** — The Products API from Oper Credits — 1 operation(s) for products.
- **Oper Credits Reset Password API** — The Reset Password API from Oper Credits — 1 operation(s) for reset password.
- **Oper Credits Resources API** — The Resources API from Oper Credits — 332 operation(s) for resources.
- **Oper Credits Send Generic Email API** — The Send Generic Email API from Oper Credits — 1 operation(s) for send generic email.
- …and 12 more, listed in full on the page.

## MCP servers (1)

- **Oper Credits MCP Server**

## Security (4)

- **Oper Credits Authentication** — http · 1 scheme
- **Oper Credits Domain Security** — TLSv1.3 · HSTS · DNSSEC · DMARC
- **Oper Credits Vulnerability Disclosure** — Hackerone · contact published
- **Oper Credits Trust Center** — ISO 27001, GDPR

## Tags

Company, Mortgages, Lending, Credit, Fintech, Banking, Loan Origination, Real-Estate, Financial-Services

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/oper-credits/). Scores are computed from the provider's own public artifacts under a published rubric.