Habito
#mortgagesmadeeasier #freeandonline 'Treating Customers Fairly Champion' at British Bank Awards 2023.
136 employees · est. 2015
Oper Credits
Maker of Herman, the AI credit analyst for European mortgage lenders.
33 employees · est. 2018 · Belgium
Habito is the older company (2015 vs 2018); Habito is the larger of the two.
Side-by-Side Comparison
| Metric | Habito | Oper Credits |
|---|---|---|
| Founded | ||
| Founded | 2015 older | 2018 |
| Headquarters | ||
| Headquarters | Not tracked yet | Belgium |
| Employees | ||
| Employees | 136 larger | 33 |
| Industry | ||
| Industry | Finance, Financial Services, Fintech | Fintech, Banking |
| Funding Stage | ||
| Funding Stage | Series Unknown | Series A |
| Total Funding | ||
| Total Funding | $72.60M | $14.45M |
| Funding Rounds | ||
| Funding Rounds | 11 | 6 |
| Services | ||
| Services | mortgage advisory, mortgage applications, legal work management, property survey coordination | Herman AI credit analyst, Origination platform, Document classification and verification, AI-driven decision readiness |
| Target Customers | ||
| Target Customers | homebuyers, remortgagers, buy-to-let investors | mortgage lenders, financial institutions, European regulated lenders, loan origination professionals |
| Taxonomy | ||
| Taxonomy | Mortgage Brokerage, Digital Mortgages, Proptech, Homebuying Services, Remortgaging, First-time Buyers, Buy-to-let Products, Instant Decision Technology, Online Mortgage Applications, Conveyancing Services, Mortgage Experts, Homeowner Solutions, Mortgage Technology, Property Insurance | AI Credit Analyst, Document Classification, Data Verification, Credit Policy Automation, Loan Origination, Human-in-the-Loop AI, Digital Mortgages, Mortgage Automation, Underwriting Automation, Fintech Integration, B2B SaaS Solutions, Credit Decisioning, Mortgage Technology, Digital Lending, AI For Lenders |
| Website | ||
| Website | habito.com | opercredits.com |
About Habito
Habito, a startup founded in 2015, is disrupting the mortgage industry by making the process fast, transparent, and impartial with the use of cutting-edge technology. The company is a prominent player in the Finance, Financial Services, Fintech, and Prop Tech industries, championed as a 'Treating Cu...
About Oper Credits
Oper Credits, founded in 2018, is making waves in the Fintech and Banking industries with its AI-driven solution, Herman, tailored for European mortgage lenders. With the compelling slogan, "Maker of Herman, the AI credit analyst for European mortgage lenders," the company addresses crucial pain poi...
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Funding, hiring, leadership and stack changes at Habito and Oper Credits — by email.
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Compiled from the BounceWatch company index. We last looked at Habito on 30 Apr 2026, and Oper Credits on 3 Sep 2026. Where a field is blank here, it means we have not recorded it — not that the answer is zero. How we source and date this.