{
  "company": {
    "name": "Oper Credits",
    "website": "https://opercredits.com/",
    "record": "https://startuphistory.org/c/opercredits.com"
  },
  "status": null,
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    "headline": "Are you ready for Oper?",
    "description": "Oper helps lenders to create world-class credit experiences. Built as modular plug and play solution, it allows any bank & insurance to offer digital mortgages.",
    "evidence": "https://web.archive.org/web/20190723115124/https://www.opercredits.com/",
    "evidence_kind": "internet_archive",
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    "basis": "first_observation",
    "is_change": false
  },
  "live_captures": 1,
  "last_checked": "2026-11-06T19:51:16.977Z",
  "live_status": null,
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      "variants": [
        {
          "headline": "Are you ready for Oper?",
          "subhead": "Oper helps lenders to create world-class credit experiences. Built as modular plug and play solution, it allows any bank & insurance to offer digital mortgages.",
          "observed_at": "2019-07-23T11:51:24.000Z",
          "evidence": "https://web.archive.org/web/20190723115124/https://www.opercredits.com/",
          "evidence_kind": "internet_archive"
        },
        {
          "headline": "Are you ready for Oper?",
          "subhead": "Oper helps lenders to create world-class credit experiences. Built as modular plug and play solution, it allows any bank & insurance to offer digital mortgages.",
          "observed_at": "2020-07-26T22:06:46.000Z",
          "evidence": "https://web.archive.org/web/20200726220646/https://www.opercredits.com/",
          "evidence_kind": "internet_archive"
        },
        {
          "headline": "Oper – The Launchpad for Digital Mortgage Products",
          "subhead": null,
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          "evidence": "https://web.archive.org/web/20210116052248/https://www.opercredits.com/",
          "evidence_kind": "internet_archive"
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        {
          "headline": "Oper – The Launchpad for Digital Mortgage Products",
          "subhead": null,
          "observed_at": "2022-01-17T19:36:04.000Z",
          "evidence": "https://web.archive.org/web/20220117193604/https://www.opercredits.com/",
          "evidence_kind": "internet_archive"
        }
      ],
      "headline": "Oper – The Launchpad for Digital Mortgage Products",
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      "to": "2022-01-17T19:36:04.000Z",
      "captures": 4,
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          "to": "2022-01-17T19:36:04.000Z"
        }
      },
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    {
      "quote_observed_at": "2023-09-25T17:04:17.000Z",
      "variants": [
        {
          "headline": "We help you deliver digital mortgage experiences",
          "subhead": null,
          "observed_at": "2022-07-02T21:06:49.000Z",
          "evidence": "https://web.archive.org/web/20220702210649/https://www.opercredits.com/",
          "evidence_kind": "internet_archive"
        },
        {
          "headline": "The digital mortgage starts here",
          "subhead": "Oper is the mortgage platform that helps lenders and brokers digitise and streamline their mortgage distribution.",
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          "evidence_kind": "internet_archive"
        }
      ],
      "headline": "The digital mortgage starts here",
      "subhead": "Oper is the mortgage platform that helps lenders and brokers digitise and streamline their mortgage distribution.",
      "from": "2022-07-02T21:06:49.000Z",
      "to": "2023-09-25T17:04:17.000Z",
      "captures": 2,
      "evidence": "https://web.archive.org/web/20230925170417/https://www.opercredits.com/",
      "evidence_kind": "internet_archive",
      "seen": {
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        }
      },
      "current": false
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    {
      "quote_observed_at": "2024-02-23T20:59:00.000Z",
      "variants": [
        {
          "headline": "Your trusted partner in digital mortgages",
          "subhead": "Oper is the mortgage platform that helps lenders and brokers digitise and streamline their mortgage distribution.",
          "observed_at": "2024-02-23T20:59:00.000Z",
          "evidence": "https://web.archive.org/web/20240223205900/https://www.opercredits.com/",
          "evidence_kind": "internet_archive"
        }
      ],
      "headline": "Your trusted partner in digital mortgages",
      "subhead": "Oper is the mortgage platform that helps lenders and brokers digitise and streamline their mortgage distribution.",
      "from": "2024-02-23T20:59:00.000Z",
      "to": "2024-02-23T20:59:00.000Z",
      "captures": 1,
      "evidence": "https://web.archive.org/web/20240223205900/https://www.opercredits.com/",
      "evidence_kind": "internet_archive",
      "seen": {
        "on": "2024-02-23T20:59:00.000Z"
      },
      "current": false
    },
    {
      "quote_observed_at": "2025-07-20T13:06:38.000Z",
      "variants": [
        {
          "headline": "Your ultimate digital mortgage software",
          "subhead": "Oper is the leading mortgage software that helps lenders digitise their mortgage origination. Ranked as the best Digital Mortgage Platform, it is trusted by the biggest financial institutions around E",
          "observed_at": "2025-01-15T17:21:30.000Z",
          "evidence": "https://web.archive.org/web/20250115172130/https://www.opercredits.com/",
          "evidence_kind": "internet_archive"
        },
        {
          "headline": "Your ultimate digital mortgage software",
          "subhead": "Oper is the leading mortgage software that helps lenders digitise their mortgage origination. Ranked as the best Digital Mortgage Platform, it is trusted by the biggest financial institutions around E",
          "observed_at": "2025-07-20T13:06:38.000Z",
          "evidence": "https://web.archive.org/web/20250720130638/https://www.opercredits.com/",
          "evidence_kind": "internet_archive"
        }
      ],
      "headline": "Your ultimate digital mortgage software",
      "subhead": "Oper is the leading mortgage software that helps lenders digitise their mortgage origination. Ranked as the best Digital Mortgage Platform, it is trusted by the biggest financial institutions around E",
      "from": "2025-01-15T17:21:30.000Z",
      "to": "2025-07-20T13:06:38.000Z",
      "captures": 2,
      "evidence": "https://web.archive.org/web/20250720130638/https://www.opercredits.com/",
      "evidence_kind": "internet_archive",
      "seen": {
        "between": {
          "from": "2025-01-15T17:21:30.000Z",
          "to": "2025-07-20T13:06:38.000Z"
        }
      },
      "current": false
    },
    {
      "quote_observed_at": "2026-11-06T19:51:16.977Z",
      "variants": [
        {
          "headline": "Faster decisions. Complete audit trails. Zero added headcount.",
          "subhead": "Herman, Oper's AI credit analyst, turns raw mortgage dossiers into decision-ready files in minutes: 95%+ extraction accuracy, EU AI Act-aligned.",
          "observed_at": "2026-09-15T00:15:50.000Z",
          "evidence": "https://web.archive.org/web/20260915001550/https://www.opercredits.com/",
          "evidence_kind": "internet_archive"
        },
        {
          "headline": "Faster decisions. Complete audit trails. Zero added headcount.",
          "subhead": "Herman, Oper's AI credit analyst, turns mortgage files into decision-ready cases in minutes, with 95%+ extraction accuracy, inside your existing systems.",
          "observed_at": "2026-11-06T19:51:16.977Z",
          "evidence": "https://www.opercredits.com/",
          "evidence_kind": "live_capture"
        }
      ],
      "headline": "Faster decisions. Complete audit trails. Zero added headcount.",
      "subhead": "Herman, Oper's AI credit analyst, turns mortgage files into decision-ready cases in minutes, with 95%+ extraction accuracy, inside your existing systems.",
      "from": "2026-09-15T00:15:50.000Z",
      "to": "2026-11-06T19:51:16.977Z",
      "captures": 2,
      "evidence": "https://www.opercredits.com/",
      "evidence_kind": "live_capture",
      "seen": {
        "between": {
          "from": "2026-09-15T00:15:50.000Z",
          "to": "2026-11-06T19:51:16.977Z"
        }
      },
      "current": true
    }
  ],
  "changes": [
    {
      "n": 1,
      "id": "page-249541508f8c22d7297e07a133fa7d2d248d9563f51e5be9bf7053708d179af1:1daa8c9303ea81240d095d5387d8a3f715cf73c75239089119294b3e9e50584d:headline:20bc809a98d793e8",
      "before_evidence": "https://web.archive.org/web/20220702210649/https://www.opercredits.com/",
      "before_evidence_kind": "internet_archive",
      "kind": "headline",
      "label": "Headline",
      "summary": "Changed its homepage headline from “We help you deliver digital mortgage experiences” to “The digital mortgage starts here”.",
      "between": {
        "from": "2022-07-02T21:06:49.000Z",
        "to": "2023-09-25T17:04:17.000Z"
      },
      "evidence": "https://web.archive.org/web/20230925170417/https://www.opercredits.com/",
      "evidence_kind": "internet_archive",
      "basis": "page_facts",
      "topic": null
    },
    {
      "n": 2,
      "id": "page-1daa8c9303ea81240d095d5387d8a3f715cf73c75239089119294b3e9e50584d:366bbb5c8dc4ed8e7bdd6b011109650419fdcf2153f27439314f47ad02a210a5:headline:b94f5d0f9b66b745",
      "before_evidence": "https://web.archive.org/web/20230925170417/https://www.opercredits.com/",
      "before_evidence_kind": "internet_archive",
      "kind": "headline",
      "label": "Headline",
      "summary": "Changed its homepage headline from “The digital mortgage starts here” to “Your trusted partner in digital mortgages”.",
      "between": {
        "from": "2023-09-25T17:04:17.000Z",
        "to": "2024-02-23T20:59:00.000Z"
      },
      "evidence": "https://web.archive.org/web/20240223205900/https://www.opercredits.com/",
      "evidence_kind": "internet_archive",
      "basis": "page_facts",
      "topic": null
    },
    {
      "n": 3,
      "id": "page-366bbb5c8dc4ed8e7bdd6b011109650419fdcf2153f27439314f47ad02a210a5:8a885bd11b2f16ec0e291f38da693cc87f27e577f40bdb43d154723bed3ab04d:headline:3e0dae5e74fa6929",
      "before_evidence": "https://web.archive.org/web/20240223205900/https://www.opercredits.com/",
      "before_evidence_kind": "internet_archive",
      "kind": "headline",
      "label": "Headline",
      "summary": "Changed its homepage headline from “Your trusted partner in digital mortgages” to “Your ultimate digital mortgage software”.",
      "between": {
        "from": "2024-02-23T20:59:00.000Z",
        "to": "2025-01-15T17:21:30.000Z"
      },
      "evidence": "https://web.archive.org/web/20250115172130/https://www.opercredits.com/",
      "evidence_kind": "internet_archive",
      "basis": "page_facts",
      "topic": null
    },
    {
      "n": 4,
      "id": "page-d61833d86f39549b9e2b9bd06a43932a5f740187ec19e1697a5bf2dde2443eac:c3d31dc1014bbb131a5dbdec612365e4be0a5cbbc970021f90b66c79e64b475c:headline:e8b30704376c1776",
      "before_evidence": "https://web.archive.org/web/20250720130638/https://www.opercredits.com/",
      "before_evidence_kind": "internet_archive",
      "kind": "headline",
      "label": "Headline",
      "summary": "Changed its homepage headline from “Your ultimate digital mortgage software” to “Faster decisions. Complete audit trails. Zero added headcount.”.",
      "between": {
        "from": "2025-07-20T13:06:38.000Z",
        "to": "2026-09-15T00:15:50.000Z"
      },
      "evidence": "https://web.archive.org/web/20260915001550/https://www.opercredits.com/",
      "evidence_kind": "internet_archive",
      "basis": "page_facts",
      "topic": null
    },
    {
      "n": 5,
      "id": "page-c3d31dc1014bbb131a5dbdec612365e4be0a5cbbc970021f90b66c79e64b475c:614e8902504413649f871b8a369774f9ae1ac76e6a98263f36f7e74c6285613c:compliance:5a8e0afb4adf787c",
      "before_evidence": "https://web.archive.org/web/20260915001550/https://www.opercredits.com/",
      "before_evidence_kind": "internet_archive",
      "kind": "compliance",
      "label": "Compliance",
      "summary": "Now states ISO 27001 compliance on its homepage.",
      "between": {
        "from": "2026-09-15T00:15:50.000Z",
        "to": "2026-11-06T19:51:16.977Z"
      },
      "evidence": "https://www.opercredits.com/",
      "evidence_kind": "live_capture",
      "basis": "page_facts",
      "topic": "https://startuphistory.org/t/added-iso-27001"
    },
    {
      "n": 6,
      "id": "page-c3d31dc1014bbb131a5dbdec612365e4be0a5cbbc970021f90b66c79e64b475c:614e8902504413649f871b8a369774f9ae1ac76e6a98263f36f7e74c6285613c:logos:2bf6d2121e170516",
      "before_evidence": "https://web.archive.org/web/20260915001550/https://www.opercredits.com/",
      "before_evidence_kind": "internet_archive",
      "kind": "logos",
      "label": "New logos",
      "summary": "Added logos to its homepage: Volksbank_Austria_logo, Creafin_logo, Hypo_OOE_logo, Crelan_logo, MeDirect_logo and Sparda-Bank_Linz_logo.",
      "between": {
        "from": "2026-09-15T00:15:50.000Z",
        "to": "2026-11-06T19:51:16.977Z"
      },
      "evidence": "https://www.opercredits.com/",
      "evidence_kind": "live_capture",
      "basis": "page_facts",
      "topic": null
    }
  ],
  "update": null,
  "method": {
    "version": "messaging-v1",
    "description": "https://startuphistory.org/method"
  },
  "license": "CC-BY-4.0",
  "cite": "StartupHistory, “Oper Credits” company record, https://startuphistory.org/c/opercredits.com"
}