Koi

Community lenders and banks use Koi to sell or buy CRA-eligible loans in order to gain liquidity and enhance their balance sheet, or to meet CRA goals. Limited balance sheet capacity restrains funding to qualified applicants. Financial institutions are challenged to raise capital to meet this demand and could benefit from loan sales to CRA motivated banks. At the same time, Community Reinvestment Act (CRA) qualifying loans are difficult for banks to source and purchase at scale. Under recent CRA reform, banks have higher quotas to meet and must find loans with very specific criteria. Koi is the solution. Our digital platform provides streamlined loan listing, loan discovery, and efficient sale/purchase transactions at scale.