The independent outsourcing partner

"Stater is the largest independent end-to-end service provider for the mortgage market in the Benelux. Internationally, Stater supports more than 40 mortgage lenders in the processing and securitisation of mortgage portfolios. With data-driven mortgage services and platforms, Stater supports over 40% of all mortgages in the Netherlands."

Would you like to get in touch?
Please contact Mario Menheere.

Mario Menheere Managing Director Stater Nederland


Our core values

Our goal is to be and remain successful by contributing to the success of our customers. This gives us direction and makes it clear what we stand for. We want our customers and employees to experience Stater as customer-focused, result-oriented, enterprising, innovative, cost-conscious and cooperative. Not them and us, but together. We are Stater.

Facts & figures

Stater in numbers

310 billion

Size of the mortgage portfolio

166 million

Revenue Stater NV


Year of establishment


Stater has 1,400 employees


Highest Fitch rating in Europe


Share of Infosys is 75%

ABN Amro

ABN Amro share is 25%.


Mortgages in process

Stater N.V.

Board members

Erwin Dreuning Chief Executive Officer

Monique Molenaar-Vader Chief Financial and Risk Officer

Mario Menheere Managing Director Stater Nederland

Thomas Bardram Managing Director België

Arjan Hessels Managing Director NB&I

Jonnes Bouma Chief Technology Officer

Supervisory Board

Ada van der Veer – Vergeer

Frans van der Horst

Jay Nair

Anantha Radhakrishnan

Sunil Kumar Dhareshwar


Managing risks,
controlling risks.

Risk management according to Stater is controlling risks and limiting uncertainties with a robust and balanced strategy. Risk management is an integral part of what we do.

Risk management

Stater complies with laws and regulations, internal guidelines, codes of conduct and policies, and we manage risks in a controlled and demonstrable manner with our '3 lines of defence' model.

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At Stater, the security of systems, platforms and data is paramount. Stater was one of the first financial service providers in the Netherlands to receive the ISO/IEC 27001 certificate.

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Certifications and

We show our stakeholders that our organisation is solid, safe and risk-aware. And that we have our processes in order. To achieve this, we use reports, process descriptions and certifications. This is why Fitch has awarded Stater's mortgage services the highest rating in Europe: RPS1-.

ISAE 3402

With the ISAE 3402 reports, we give clients the assurance that their financial data is secure. We continuously check whether we are still working as agreed.

ISO 27001

With the ISO 27001 certification, we demonstrate that we comply with all requirements for information security. And that business-critical information remains confidential, honest and available.


The GDPR (General Data Protection Regulation) requires Stater to take adequate measures to protect information. Our customers also want us to demonstrably manage and secure information properly. We take this very seriously.


A PBO contains the objective, the process steps, the risks and the control measures of a process. Are there changes in a process? Then we adjust the PBOs so that the controls are still appropriate.


Highest Fitch rating: RPS1-

Since 2010, Staters mortgage servicing has been rated by Fitch with the highest rating for 'primary servicing' in Europe. The head office is located in Amersfoort, the Netherlands, and employs over 1,400 staff. Stater also has branches in Brussels and Düsseldorf. Stater is 75% subsidiary of Infosys Consulting Pte. Ltd. and 25% of ABN AMRO Bank N.V.

Market regulators

Supervision of Stater

As a financial institution, Stater works with money and data from lenders, intermediaries and customers. Good supervision of this is essential. Stater's main market regulators are:

Netherlands Authority for the Financial Markets

The AFM is responsible for the supervision of conduct in the financial markets. The AFM focuses mainly on the services and products offered to customers. The customers of Stater who market consumer mortgages are also subject to supervision by the AFM. They, too, impose requirements on Stater.

Dutch Personal Data Authority

The protection of personal data is a fundamental right for everyone. The Netherlands Authority for the Protection of Personal Data (Autoriteit Persoonsgegevens or AP) is the independent supervisory body in the Netherlands that monitors this fundamental right. And ensures that companies and organisations comply with privacy legislation.