Oper
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.
Limited machine-readable signal and partial portal coverage — documentation a human can read, but little a machine or agent can consume without scraping.
API Evangelist profiles Oper the way a machine reads it — 57 machine-readable artifacts across 52 APIs, pulled from the provider's own public surface and indexed so a developer, an analyst, or an AI agent can evaluate it against every other provider on the network.
Every provider in the network is reduced to the same set of machine-readable artifacts — OpenAPI contracts, event specifications, GraphQL schemas, runnable collections, pricing and rate-limit signals, security posture, OAuth scopes, and the agent surfaces (MCP servers and skills) that let software drive the API on its own. We profile them because the interface is the part of a company you can actually inspect: it is a truer signal of what a provider does than any marketing page. From those artifacts we compute the Kin Score — Oper scores 44.5/100 (thin), with a separate agent-readiness read of 43/100 (agent aware). The full breakdown is below, followed by every artifact we hold — each card links through to its machine-readable definition on apis.io.
Kin Score
This is the API Evangelist rating — a single, repeatable read computed from the artifacts on this page. Green fill is points earned; the red track is points possible, so every bar shows earned-versus-possible at a glance.
Kin Score
How this is scored →scored 2026-07-27 · rubric v0.5
How we profile Oper
Each block below is one kind of artifact we hold for Oper. For each we say what it is and why it earns a place in the profile, then list every one we've indexed — capped at two rows, scroll within the panel for the rest.
APIs 52
Each API is captured as its own OpenAPI definition — every operation, parameter, and response. This is the single most useful machine-readable description of what an API does, and it's what lets us score, lint, mock, and generate against it without asking the provider for anything.
Individual APIs this provider publishes, each with its own machine-readable definition.
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.
Oper Sign In API
The Sign In API from Oper — 4 operation(s) for sign in.
Oper Sign Up API
The Sign Up API from Oper — 4 operation(s) for sign up.
Oper Simulators API
The Simulators API from Oper — 15 operation(s) for simulators.
Oper Sso API
The Sso API from Oper — 2 operation(s) for sso.
Oper Tasks API
The Tasks API from Oper — 2 operation(s) for tasks.
Oper Terms And Conditions API
The Terms And Conditions API from Oper — 1 operation(s) for terms and conditions.
Oper Third Parties API
The Third Parties API from Oper — 20 operation(s) for third parties.
Oper Third Party Api API
The Third Party Api API from Oper — 1 operation(s) for third party api.
Oper User Management API
The User Management API from Oper — 4 operation(s) for user management.
Oper Users API
The Users API from Oper — 1 operation(s) for users.
Oper Validators API
The Validators API from Oper — 1 operation(s) for validators.
Oper Webhooks API
Your Webhooks tag description
Scroll within the panel for all 52 ·
MCP Servers 1
Model Context Protocol servers expose these APIs directly to AI agents. We profile them because agent-native access is the fastest-growing way this provider's capabilities actually get used.
Model Context Protocol servers that expose these APIs to AI agents.
oper-mcp.yml
MCP SERVERSecurity Posture 4
Authentication, domain security, vulnerability disclosure, and trust-center signals — the evidence that a provider takes security seriously enough to document it. We profile it because you can't govern what you can't see.
Authentication, domain security, vulnerability disclosure, and trust-center signals.
Resources
Every other property we hold for Oper — documentation, portals, status pages, policies, and corporate surface — grouped by the job it does, following the integrator's arc from getting started to running in production.
Get Started 2
Portal, sign-up, and the first successful call
Documentation 2
Reference material describing how the API behaves
Agent Surfaces 3
MCP servers, agent skills, and machine-readable catalogs
Design & Contract 3
Pagination, idempotency, versioning, errors, and events
Access & Security 6
Authentication, authorization, and security posture
Operate 1
Status, limits, changes, and where to get help
Commercial 1
Pricing, plans, and the legal terms of use
Company 2
The organization behind the API
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