# Online Application

> SaaS platform for mortgage and insurance brokers in Ireland and EMEA

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | Dublin, Ireland |
| Stage | Growth |
| Employees | 11-50 |
| Funding | Acquired |

## Overview

Online Application is a B2B SaaS platform for mortgage brokers and insurance professionals, serving the Irish market and broader EMEA region. The platform digitizes end-to-end workflows for client onboarding, application processing, policy management, and CRM across mortgage and insurance lines.

The company offers four core products: OA Mortgage for mortgage application processing, OA Life + CRM for life insurance management, OA Lender for loan processing at financial institutions, and OA Insurer for insurance carriers managing underwriting and claims. All products are delivered as cloud-based SaaS with REST API integrations connecting to lenders, insurers, and third-party systems.

Online Application was acquired in August 2025 by Software Circle plc (LSE: SFT) for EUR 9.0 million. Prior to acquisition, it served 250+ brokerage firms across Ireland and EMEA, processing approximately 65,000 mortgage applications per year representing EUR 7.1 billion in aggregate loan value. The platform holds a 4.7/5 rating on G2 from verified broker users.

## Products & services

### OA Mortgage

Digital mortgage workflow platform for brokers from initial application through approval. Automates client onboarding with intelligent form pre-population, manages supporting documents, and provides real-time connectivity to lenders for instant application transmission.

**Key features:**

- Automated client onboarding and form pre\-population
- Document management and tracking
- Real\-time lender connectivity for instant transmission
- Automated client communication and follow\-up reminders

*Target users:* Mortgage brokers

### OA Life \+ CRM

Integrated life insurance management solution combined with CRM functionality. Helps brokers organize client policy portfolios and manage the full insurance policy lifecycle with integrated workflows.

**Key features:**

- Client relationship and policy portfolio management
- Policy lifecycle tracking from application to renewal
- Interaction tracking and follow\-up automation
- Integration with Irish and European life insurance providers

*Target users:* Life insurance brokers

### OA Lender

Loan processing solution designed for financial institutions and lenders. Automates underwriting workflows and provides real-time data feeds from applications and supporting documentation.

**Key features:**

- AI\-driven decision\-making tools
- Automated underwriting workflows
- Real\-time data feeds from broker applications
- Streamlined approval and disbursement processes

*Target users:* Mortgage lenders, financial institutions

### OA Insurer

Insurance operations management solution for carriers. Manages the full policy lifecycle from underwriting through claims processing and policy administration.

**Key features:**

- AI\-enabled underwriting workflows
- Claims processing and management
- Policy lifecycle management
- Integration with broker platforms

*Target users:* Insurance carriers

## Category & focus

- Subcategories: Broker Management, Mortgage Origination, Policy Administration
- Insurance verticals: Life & Annuity, P&C Personal
- Target customers: Brokers, Carriers

## Notable customers

- 250\+ brokerage firms across Ireland and EMEA
- 270\+ individual brokers in Ireland

## Links

- Website: <https://www.onlineapplication.io>
- Directory profile: <https://insurtechlist.com/companies/online-application/>
- Twitter: <https://twitter.com/broker_systems>
- Youtube: <https://www.youtube.com/c/OnlineApplicationFintech>
- Linkedin: <https://www.linkedin.com/company/artificialintelligencefinance>
- Parent company: <https://www.softwarecircle.com>

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*Last updated: 2026\-06\-15*