# Oper

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

Oper (Oper Credits) is a Belgium-based fintech that provides digital mortgage origination software for banks, lenders, brokers and insurers. Its modular Oper Connect platform connects every stakeholder in the mortgage value chain, and its Herman AI underwriting agent automates document classification, data extraction, verification and credit-policy application to shorten time-to-decision. The Oper Connect API is a JWT-authenticated REST API (Django REST Framework style) exposing loan requests, clients, offers, financial plans, documents and hundreds of configuration resources, plus a versioned Loan Request Webhook API for pushing loan events to lender systems.

## Kin Score — 35.3 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 35.3).

| Facet | Score |
|---|---|
| Discoverability | 81.5 |
| Contract Quality | 44.7 |
| Governance | 16.7 |
| Contract Governance | 16.7 |
| Operational Transparency | 10.5 |
| Developer Ergonomics | 20.8 |
| Commercial Clarity | 26.3 |
| Access Clarity | 26.3 |

Regulatory layer — **Insurance**: 48.5 (matched via tags).

## Agent readiness — 33.1 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | verified |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | partial |
| Rate Limit Signal | no |
| Event Surface Described | no |
| 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 Agent Documents API** — The Agent Documents API from Oper — 2 operation(s) for agent documents.
- **Oper Appointment Booking Websites API** — The Appointment Booking Websites API from Oper — 2 operation(s) for appointment booking websites.
- **Oper Approvals API** — The Approvals API from Oper — 6 operation(s) for approvals.
- **Oper Bank Release Policy API** — The Bank Release Policy API from Oper — 1 operation(s) for bank release policy.
- **Oper Base Products API** — The Base Products API from Oper — 12 operation(s) for base products.
- **Oper Calculate API** — The Calculate API from Oper — 7 operation(s) for calculate.
- **Oper Check Invite Token API** — The Check Invite Token API from Oper — 1 operation(s) for check invite token.
- **Oper Check Reset Password API** — The Check Reset Password API from Oper — 1 operation(s) for check reset password.
- **Oper Client Users API** — The Client Users API from Oper — 2 operation(s) for client users.
- **Oper Clients API** — The Clients API from Oper — 2 operation(s) for clients.
- **Oper Commissions API** — The Commissions API from Oper — 8 operation(s) for commissions.
- **Oper Communication History API** — The Communication History API from Oper — 2 operation(s) for communication history.
- **Oper Connective API** — The Connective API from Oper — 2 operation(s) for connective.
- **Oper Contact Advisor API** — The Contact Advisor API from Oper — 1 operation(s) for contact advisor.
- **Oper Contact API** — The Contact API from Oper — 1 operation(s) for contact.
- **Oper Contact Policy API** — The Contact Policy API from Oper — 1 operation(s) for contact policy.
- **Oper Credit Providers API** — The Credit Providers API from Oper — 1 operation(s) for credit providers.
- **Oper Documentation Library API** — The Documentation Library API from Oper — 4 operation(s) for documentation library.
- **Oper Documents API** — The Documents API from Oper — 2 operation(s) for documents.
- **Oper Easy Audit API** — The Easy Audit API from Oper — 1 operation(s) for easy audit.
- **Oper Forgot Password API** — The Forgot Password API from Oper — 1 operation(s) for forgot password.
- **Oper Gdpr Policy API** — The Gdpr Policy API from Oper — 1 operation(s) for gdpr policy.
- **Oper Health API** — The Health API from Oper — 1 operation(s) for health.
- **Oper Integrations API** — The Integrations API from Oper — 2 operation(s) for integrations.
- **Oper Internaldocuments API** — The Internaldocuments API from Oper — 3 operation(s) for internaldocuments.
- **Oper Jwt API** — The Jwt API from Oper — 2 operation(s) for jwt.
- **Oper Legal Links API** — The Legal Links API from Oper — 2 operation(s) for legal links.
- **Oper Library API** — The Library API from Oper — 2 operation(s) for library.
- **Oper Loan Requests API** — The Loan Requests API from Oper — 113 operation(s) for loan requests.
- **Oper Loan Requests Client Info API** — The Loan Requests Client Info API from Oper — 1 operation(s) for loan requests client info.
- **Oper Main API** — The Main API from Oper — 30 operation(s) for main.
- **Oper Me API** — The Me API from Oper — 8 operation(s) for me.
- **Oper Metrics API** — The Metrics API from Oper — 1 operation(s) for metrics.
- **Oper Model Fields API** — The Model Fields API from Oper — 1 operation(s) for model fields.
- **Oper Pricing API** — The Pricing API from Oper — 1 operation(s) for pricing.
- **Oper Privacy Policy API** — The Privacy Policy API from Oper — 1 operation(s) for privacy policy.
- **Oper Products API** — The Products API from Oper — 1 operation(s) for products.
- **Oper Reset Password API** — The Reset Password API from Oper — 1 operation(s) for reset password.
- **Oper Resources API** — The Resources API from Oper — 332 operation(s) for resources.
- **Oper Send Generic Email API** — The Send Generic Email API from Oper — 1 operation(s) for send generic email.
- …and 12 more, listed in full on the page.

## MCP servers (1)

- **Oper MCP Server** — Candidate MCP tool surface derived from the Oper Connect OpenAPI. No official hosted/remote Oper MCP server was found during search; this is a proposed mapping of marquee operat...

## Security (4)

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

## Tags

Company, Vertical Software, Fintech, Mortgage, Lending, Loan Origination, Digital Mortgage, Underwriting, Financial-Services

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