Say yes to the members a score turns away
One in five U.S. adults has little or no credit history, and nearly all of them have a bank account. KoraConnect reads real income and real obligations straight from it, so your credit union can serve the members a score cutoff was built to skip.
Serve the underserved members of your community
People helping people, now with the data to underwrite it.
See what income verification returnsApprove on income a bureau never sees
Gig platforms, cash work paid by transfer, benefits, second jobs. Verified from the account rather than the pay stub a member chose to send.
Thin files stop being thin the moment you can read the account
Young members, new Americans and cash-first households all have a financial life. It is in the account, whether or not a bureau ever recorded it.
Your community mission becomes a sound loan
Lending deeper into your field of membership stops being a mission cost when the income and the payment behind it are both measured rather than assumed.
Validate stated income for prime and super-prime members
A long clean file says how a member paid. The account says what they can carry now, and whether that changed since.
See what the analysis returnsRead the member as they are this month
Tradelines report on a monthly cycle. An account reads through yesterday, so a change in income or obligations is visible while it still matters to the decision.
Approve the amount a clean file actually supports
A strong history sets the tier. Verified income and real obligations show how much room is above it, so a good member is not capped by a default your policy never meant for them.
See strain on a clean file before it becomes a late payment
Utilization climbing, a first overdraft, recurring income that dropped. The account carries all three now, on a member whose score has not moved yet.
Turn a decline into an offer the member can carry
When your policy says no, the file gets a second look on the member’s own account activity. The application stays with you, your policy decides, and the same read finds members already carrying a rate you could refinance.
Right-size the loan instead of declining it
Income stability, debt load, overdraft patterns and high-cost debt, all visible at application, so the payment your officer offers is one the member can actually carry.
Catch the member who needs a smaller payment first
The vehicle they asked for is $110 a month past what fits. A smaller amount over the same term clears it, before life makes that decision for them.
Spot the member paying a lender’s rate you could refinance
Members you helped when a score said no don’t shop you on rate later. That is the relationship, and the deposits, staying home.
An indirect program you can finally see into
Underwrite the borrower at the dealership, whether the paper comes through CUDL or straight from the store.
See how dealers run itVerify the income before the contract is signed
The member completes it while they are still in the F&I office, not after the first payment is missed.
Buy paper with the cash flow already attached
Paper you buy through the dealer channel gets the same cash flow underwriting as the loans you originate yourself, however many rooftops submit to you.
Check a submitted document against itself
Fraud checks on statements and pay stubs, in the channel where doctored documents concentrate.
Documentation your examiner expects of an indirect program
Every outcome carries the condition that produced it and the value that crossed the line, so the due diligence has something to read.
One link, and the member is done in a minute
The member picks how they share, and the result is waiting when your officer opens the file.
One link goes out
By text, by email, or inside the application they are already in.
The member picks how to share
A live bank connection, or the statements they already have on hand.
The answer is already on the file
Verified income and the payment it supports, before your officer opens it.
Keep every threshold in your loan policy
Kora scores the file and reports what each signal crossed. What that means for the member is your rule.
Take a number, and see what moved it
KoraScore on the familiar scale, with its drivers named on the file.
Move any level to your own policy
The default set ships with the model. Nothing here is a decision Kora returns.
Read it where your team already works
In the dashboard, by API into your loan origination system, or as a page for the file.
Try it on loans you have already closed
No policy change, no member-facing switch. The comparison runs behind your current one until you have seen it.
Send loans you already funded, and their outcomes
Two hundred or more, with the statements or transactions you held at underwriting. The analysis is run as of that date, never with hindsight.
Score it beside the model you use now
Both read the same file. Only yours is wired to a decision while the comparison is running.
Size the second look before you run one
Send the members you had to turn away and they sort into the ones with no verifiable income and the ones whose income a bureau simply never recorded. The second group is the population a live second look reads, one application at a time.
The paperwork both reviews ask for
Indirect lending and third-party oversight both sit near the top of NCUA’s 2026 examination priorities. This is what Kora hands over for each.
- A dated record of every input behind a decision
- The member’s permission, captured per run
- Which thresholds were in force on the day
- The condition that tripped, and the value that crossed it
- One independent SOC 2 Type II audit
- Named subprocessors, and where data is held
- Alignment to the frameworks below
- SOC 2 Type II
- ISO/IEC 27001
- NIST CSF
- PCI DSS
- GDPR (EU & UK)
- CCPA / CPRA
- GLBA Safeguards
- FFIEC
What a lending office asks first
The six that come up before a pilot.
01What happens with a member who has a thin file or no score at all?
We don’t need a repayment history at all. We read whatever accounts the member connects: which deposits recur and how steady they are, what’s going out every month, and what kind of obligation each payment actually is. A young member with twelve months of banking and no tradelines still gets a full file out of us.
02Does the member have to bank with us?
Nope. The member just connects whatever accounts their money actually flows through, at your credit union or anywhere else, and we read every connected account the same way. Even if someone gets paid into an account at a different institution, we can still read it.
03Can it run on transaction data we already hold?
Yes, whatever you’ve already collected works fine. It runs through the same proprietary models and comes back as the same report you’d get from a live connection, and the member never has to lift a finger.
04Does this add a step for every member who applies?
Not if you don’t want it to be. A lot of credit unions ease into this by running it only on the applications that get declined or flagged for review, so members who’d sail through anyway never notice a thing. Once you’ve seen how that group performs, expanding to the whole product is an easy next step.
05Where does KoraConnect sit in an indirect program?
Right before the contract gets signed. The dealer sends the member one link as part of the deal, the analysis comes back with the application, and your buyers get the same verified income and risk read as someone who walked into a branch.
06What do our loan officers actually see?
Verified income with each stream broken out, the obligations coming out of the account and what type each one is, an affordable payment at your own ratio, a KoraScore, and any signal that crossed one of your thresholds along with exactly what condition it crossed.
07What does it take to try KoraConnect on our own loans?
Just send us 200 or more loans you’ve already funded, along with the statements or transactions you had at underwriting and how those loans actually performed since. We’ll hand back the model lift, what our analysis would have caught, and the thresholds behind it. No cost, nothing to sign.
Run it on the members you had to turn away
Send 200 or more loans you have already funded, with the statements or transactions you held at underwriting and the outcomes since. We return the model lift, what the analysis would have caught, and the thresholds behind it.