Stater
Stater is the Dutch market-leading mortgage servicing platform, servicing more than 40% of Dutch mortgages and 40+ lenders across the Netherlands, Belgium, and Germany via its end-to-end Stater Mortgage Platform, BPO services, and dedicated lender, intermediary, notary, and consumer portals.
- Company typePrivate
- Founded1997
- HeadquartersAmersfoort, Netherlands
- Headcount1,001–5,000
- GTM typeB2B
- OfferingSoftware
What Stater does
Stater N.V., founded in 1997 and headquartered in Amersfoort, Netherlands, is a privately held mortgage servicing provider that operates as the Dutch market leader, supporting more than 40% of all mortgages in the Netherlands through its integrated end-to-end platform. The company's core product is the Stater Mortgage Platform, an end-to-end technology stack covering the entire mortgage chain from orientation through final repayment, with built-in straight-through processing (STP), automatic KYC checks, real-time portfolio data insights, API-based integration with clients' front-end and legacy systems, and a four-eyes verification risk-management layer. Around this core platform, Stater offers four service modules: Operational Services (mid- and back-office BPO covering onboarding through contract management), Digital & Data Services (real-time analytics, predictive monitoring, and ecosystem APIs), Business Services (custom portfolio migration, process optimization, compliance, and advisory), and Funding Services (25+ years of experience in loan selection, allocation, and securitization support).
Stater monetizes through three revenue streams: managed-services/BPO contracts, recurring SaaS subscriptions to the Stater Mortgage Platform, and project-based professional services. Distribution is direct enterprise sales to banks, insurers, and specialist mortgage lenders in the Netherlands, Belgium, and Germany, supported by a multi-portal ecosystem (Estate, Financier, Intermediair, Notaris, and the MijnHypotheek consumer portal). Stater holds the highest Fitch RPS1 rating for mortgage servicing in Europe (maintained since 2010) plus ISO 27001, ISO 22301, ISAE 3402 Type 2, and ISAE 3000 Type 2 certifications, and operates under AFM and Dutch GDPR supervision. The company is majority-owned (75%) by Infosys, with ABN AMRO holding the remaining 25%, and runs a workforce in the 1,001–5,000 range across three countries.
Stater firmographics
Firmographics- Name
- Stater
- Legal name
- Stater N.V.
- Website
- https://stater.nl
- Company type
- Private
- Founded year
- 1997
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Stater is the Dutch market-leading mortgage servicing platform, servicing more than 40% of Dutch mortgages and 40+ lenders across the Netherlands, Belgium, and Germany via its end-to-end Stater Mortgage Platform, BPO services, and dedicated lender, intermediary, notary, and consumer portals.
- Ownership category
- akta.pro rank
Stater industry classification
Industry- Product category
- Mortgage Servicing Software & BPO
- NAICS
- Real Estate Credit (522292)
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Subservicing (Third-Party Servicing for Owners/Originators) (FSALAEAD)
- akta.pro secondary industry
- Servicing Transfer & Boarding (Onboarding/De-boarding/Data Reconciliation) (FSALAEAK)
Keywords
Where Stater is headquartered
LocationHeadquarters
- HQ city
- Amersfoort
- HQ country
- Netherlands
- HQ region
- Europe
Offices2 records
Markets served
Stater business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales, Others
Revenue model
- BPO and Managed Services: Full-service mortgage servicing where Stater handles mid and back-office operations for lenders. Services can be taken full-service or for specific components, including process management, compliance, and customer service.
- SaaS Platform (Stater Mortgage Platform): Platform-as-a-service offering where customers can choose which components to use, with integration into existing systems or front ends for mortgage sales and management.
- Business Services: Custom services including portfolio migration, process optimization, compliance optimization, rationalization, and advisory services.
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Stater product offering
Product offeringCore offering
Stater provides end-to-end mortgage servicing for banks, insurers, and specialised lenders across the Netherlands, Belgium, and Germany through its integrated Stater Mortgage Platform. Around the platform it bundles Operational Services (BPO for mid- and back-office processes), Digital & Data Services (real-time analytics, KYC, monitoring, API integrations), Business Services (portfolio migration, process optimisation, advisory), and Funding Services (allocation of eligible applications and loans). Multi-stakeholder portals serve lenders, intermediaries, notaries, and consumers, and Stater services more than 40% of all Dutch mortgages through these offerings.
Product overview
Stater offers a platform-plus-modules architecture centered on the Stater Mortgage Platform as the core product, supplemented by four service modules: Operational Services (BPO), Digital & Data Services, Business Services, and Funding Services. The platform provides end-to-end mortgage servicing from orientation through final repayment. Multiple branded portals serve different user segments: MijnHypotheek for consumers, and Estate Portal, Financier Portal, Intermediair Portal, and Notaris Portal for professional stakeholders.
Differentiator
Problem solved
Functional benefit
Products and services
- Stater Mortgage Platform Integrated end-to-end platform for mortgage sales and management covering the complete mortgage chain from orientation to final repayment, with STP, automated KYC, four-eyes verification, real-time data insights, and API integrations. Sold to mortgage lenders, banks, and insurance companies in the Netherlands, Belgium, and Germany.
- Operational Services Mid- and back-office managed services covering the entire mortgage process from onboarding to contract management, with real-time data insights, automatic KYC checks, and four-eyes verification. Available full-service or for specific components. Sold to mortgage lenders and financial institutions.
- Digital & Data Services Data solutions providing real-time portfolio insights, predictive analytics, automatic monitoring, and API integrations for finance, compliance, operations, and sustainability needs. Sold to mortgage lenders and financial institutions.
- Business Services Custom solutions including portfolio migration, process optimization, compliance optimization, rationalization, and advisory services for smooth process transitions. Sold to mortgage lenders and financial institutions.
- Funding Services Services supporting lenders and investors in efficiently selecting and allocating eligible mortgage applications and loans via controlled, automated processes. Leverages 25+ years of funding experience. Sold to lenders and investors.
- MijnHypotheek Consumer portal where homeowners can view their mortgage data, access documents, make changes, and retrieve year statements. Available to customers of lenders including a.s.r., ASN Bank, Triodos, NIBC, and others.
Quantifiable outcome
- 40%+ market share in Dutch mortgage servicing
- +2 more outcomes
Companies that use Stater
Customer profileNamed customers22 records
Segments4 records
Ideal customer profiles3 records
Stater technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Stater partnerships and signals
Strategic signalScale indicators5 records
Recent moves6 records
Expansion highlights5 records
Stater competitors and assessment
Company assessmentRegional players
- Sopra Steria: Sopra Steria is a European IT services and software provider with strong banking and financial services presence in France, Benelux, and the Nordics. It is a comparable regional provider of mortgage and lending technology and operations services.
Broad incumbents
- Capgemini (Financial Services): Capgemini delivers mortgage and banking technology, BPO, and platform services to large European financial institutions. It competes for similar enterprise mortgage servicing and platform mandates across Continental Europe.
- Black Knight / ICE Mortgage Technology: ICE Mortgage Technology (formerly Black Knight) is a dominant US-based provider of mortgage servicing and origination technology with deep scale. It serves as a benchmark for the integrated, end-to-end mortgage technology platform model that Stater is building in Europe.
- Accenture (Mortgage Services): Accenture provides large-scale IT services and BPO to mortgage lenders and servicers globally, including transformation programs. It is comparable as a broad incumbent that competes for outsourced technology and operations work for European lenders.
Direct peers
- Hypoport: Hypoport operates EUROPACE, a transaction platform for the European mortgage and real estate industry, and provides B2B mortgage financing, distribution, and servicing infrastructure across Germany and other European markets — directly comparable to Stater's mortgage platform and serving similar lenders.
- Sagent: Sagent provides cloud-based mortgage servicing technology to US lenders. Its platform-focused approach to mortgage servicing parallels Stater's push from pure BPO toward a modular SaaS platform serving enterprise mortgage lenders.
- Capita Mortgage Services: Capita Mortgage Services provides outsourced mortgage administration, servicing, and processing to UK lenders. It is a direct functional peer in third-party mortgage servicing and BPO for regulated lenders.
- Computershare Mortgage Services: Computershare offers mortgage servicing, subservicing, and asset administration to lenders and investors. It competes for the same third-party mortgage servicing mandates that Stater targets across Europe.
Others
- Lender Processing Services (LPS / Black Knight legacy): The legacy LPS / Black Knight mortgage technology franchise (now part of ICE) sets the standard for enterprise mortgage servicing technology. While US-focused, it is the most-cited benchmark for the type of end-to-end mortgage technology platform Stater operates in Europe.
Emerging players
- Tata Consultancy Services (TCS BFSI): TCS provides large-scale IT and BPO services to banks and mortgage servicers globally, including in Europe. It competes with Infosys (Stater's parent) for mortgage technology and operations engagements at large European lenders.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Stater social profiles
Digital presenceStater compliance and trust
Trust signalCompliance6 records
Stater financial estimates
Financial estimateRevenue estimate
Valuation estimate
Stater leadership team
Management profileNumber of profiles
Profiles11 records
Stater subsidiaries and ownership
Company hierarchySubsidiaries2 records
Stater funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Stater M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Stater
What does Stater do?
Stater provides end-to-end mortgage servicing for banks, insurers, and specialised lenders across the Netherlands, Belgium, and Germany through its integrated Stater Mortgage Platform. Around the platform it bundles Operational Services (BPO for mid- and back-office processes), Digital & Data Services (real-time analytics, KYC, monitoring, API integrations), Business Services (portfolio migration, process optimisation, advisory), and Funding Services (allocation of eligible applications and loans). Multi-stakeholder portals serve lenders, intermediaries, notaries, and consumers, and Stater services more than 40% of all Dutch mortgages through these offerings.
Is Stater a public or private company?
Stater is a private company. It is classified as corporate owned and is currently operating.
When was Stater founded?
Stater was founded in 1997. It employs 1,001 to 5,000 people.
Where is Stater based?
Stater is headquartered in Amersfoort, Netherlands, in the Europe region.
How does Stater make money?
Three revenue lines are on record. BPO and Managed Services are the primary driver. The others are saaS Platform (Stater Mortgage Platform) and business Services.
Who are Stater's main competitors?
Sopra Steria is listed as a regional player. Broad incumbents are Capgemini (Financial Services), Black Knight / ICE Mortgage Technology and Accenture (Mortgage Services). Direct peers are Hypoport, Sagent, Capita Mortgage Services and Computershare Mortgage Services. Lender Processing Services (LPS / Black Knight legacy) is listed as an others. Tata Consultancy Services (TCS BFSI) is listed as an emerging player.
Does Stater have an API?
No public API is recorded for Stater.
What industry is Stater in?
Stater's product category is Mortgage Servicing Software & BPO. Its primary akta.pro industry code is FSALAEAD, Subservicing (Third-Party Servicing for Owners/Originators), with a secondary code of FSALAEAK, Servicing Transfer & Boarding (Onboarding/De-boarding/Data Reconciliation). Its NAICS code is 522292 and its SIC code is 6162.