Third Parties

Stacc Mortgage leverages a wide array of third-party integrations to provide a comprehensive, efficient, and accurate mortgage processing solution. These integrations enable automatic data retrieval, validation, and processing, enhancing the overall quality and speed of the mortgage application process.

Norwegian Third Party Integrations 🇳🇴

Source	Function	Details
Ambita Realty	Fetch property ownership Fetch structured data from the land register for properties	Size Year of building Type of building Registered mortgage
Ambita eTinglysing	Electronic registration of pledge
Ambita EPS	Interaction with real estate agent	Transfer of pledge for electronic registration Prerequisite letter
Eiendomsverdi	Fetch valuation estimates for properties	Real estate valuations Area scores
Dun&Bradstreet / Experian	Credit score of stakeholders to a case	Credit score Payment notices
Motorvognregistert	Fetch information about vehicles	Owners Registration number Fuel type Market value
Rødboka	Fetch vehicle valuation
Folkeregisteret	Validate national id and fetch information with national id	Address Marital status Children Citizenship
SBL (Altinn & Skatteetaten)	Fetch information about personal economy	Income from last 6 months Last tax report
Signicat signing / Scrive	Signing of documents	- Signed documents
Signicat authentication	Login with BankID
SPAMA	Fetch loan documents	Gjeldsbrev Erklæring om pantsettelse
KAR (kontoadresseregisteret)	Fetch owner information about bank accounts
Gjeldsregisteret	Fetch information about unsecured debt
Trapets/CM1	PEP/sanction-screening	- PEP/sanction data

Swedish Third Party Integrations 🇸🇪

Source	Function	Details
Lantmäteriet	Lantmäteriet is the Swedish mapping, cadastral, and land registration authority. It maintains official records of Sweden's geography, boundaries, and property ownership.	- Real estate registration (lagfarter)
SPAR (Statens personadressregister)	SPAR is the Swedish state personal address register, managed by Skatteverket (the Swedish Tax Agency).	Full name Address Civil status Date of death (if applicable) etc
UC (Upplysningscentralen)	UC, part of Enento Group, is a credit bureau company. They provide services both on companies and private persons. They have a multitude of products and services, typically providing credit evaluation material.	Personal data, such as address, and martial status Taxable income Debts and payment remarks
UC Bostad	An offshoot of UC but listed separately. Provides property information of various sorts, including property valuation.	Property data (owner, building year, energy class, etc) Property valuation Brf Data

By leveraging these trusted third-party services, Stacc Mortgage offers a robust, efficient, and reliable solution that connects seamlessly with the broader financial ecosystem in Norway.