Get Early Access

CRA Insights, simplified.

Koi CRA Co-Pilot helps banks analyze, track, and improve CRA performance — without overhauling their systems.

Book a Demo

Problem

CRA analysis is overwhelming. Your current tools aren't built for it.

Teams with limited bandwidth spend weeks manually validating data to answer key questions.

Are we achieving the CRA lending goals we set out to achieve?

Are there gaps in our CRA performance that could expose us to exam risk?

Are we meeting the credit needs of our community?

Existing solutions are complex and time-consuming for busy teams.

They are difficult to use, requiring manual uploads, complex field mapping, and hours of manipulation to produce usable insights.

They are extremely expensive, often requiring 5- to 6-figure contracts.

They don’t answer those critical questions. They only cover basic data collection and reporting, missing the analysis, insights, and decision support that drive real CRA value.

Solution

Meet CRA Co-Pilot. Your partner in CRA analysis.

Try CRA Co-Pilot

Performance Storytelling

CRA Co-Pilot turns your HMDA and loan data into insights. Co-Pilot provides clear benchmarks and visuals, helping you track goals, exam risk, and community impact—seamlessly.

Effortless Workflow

Drag-and-drop your data into CRA Co-Pilot—no formatting needed. Geocoding, checks, and corrections run automatically, with errors flagged for review.

Immediate Time Savings

Eliminate 80–100 hours annually of manual data processing, freeing your teams to focus on strategy, community impact, and growth.

Top 10 Bank
CRA-Focused Lender
Regional Bank
Digital Bank

Digital Bank
Regional Bank
CRA-Focused Lender
Top 10 Bank

Top 10 Bank
CRA-Focused Lender
Regional Bank
Digital Bank

Digital Bank
Regional Bank
CRA-Focused Lender
Top 10 Bank

Top 10 Bank
CRA-Focused Lender
Regional Bank
Digital Bank

Digital Bank
Regional Bank
CRA-Focused Lender
Top 10 Bank

Continuous Partnership

Koi collaborates closely with your bank to continuously enhance capabilities, uncover new opportunities, and optimize your overall CRA strategy.

Bridge to Marketplace

From insights to action.

Co-Pilot is more than an analytics tool — it’s a gateway to action. When Co-Pilot reveals a CRA performance gap, Koi helps you fill it.

Access our integrated CRA loan marketplace to find and purchase CRA-eligible loans by geography, volume, and loan type — with no guesswork.

When Co-Pilot reveals a CRA gap, Koi helps you fill it. Access our integrated CRA loan marketplace to find CRA-eligible assets by geography, volume, and type — with no guesswork.

Use Cases

Use Case

For CRA Officers

Turn CRA performance into a year-round strength, not a scramble.

For CRA Officers

Turn CRA performance into a year-round strength, not a scramble.

For CRA Officers

Turn CRA performance into a year-round strength, not a scramble.

For Compliance & Risk

Identify your risks before your regulators do.

For Compliance & Risk

Identify your risks before your regulators do.

For Compliance & Risk

Identify your risks before your regulators do.

For Lending & Strategy Teams

Fuel growth with lending opportunities.

For Lending & Strategy Teams

Fuel growth with lending opportunities.

For Lending & Strategy Teams

Fuel growth with lending opportunities.

Backed by a strong Team and Advisors

Our team has collective experience in fintech and AI from MIT, Harvard, Meta, Capital One, and D.E. Shaw. Through our advisors, we are supported by industry executives who've helped power Fifth Third Bank, Banc of California, Sofi, Barclays, and Zest AI.