AI agents for lenders and servicers

AI agents that review every loan file in minutes, with the evidence attached

Kolena's AI agents run compliance checks, underwriting and diligence review, loan boarding and collateral audits on every file, built from your own procedures and checklists, with a citation for every answer. Not a chat window, and not a sample.

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SOC 2 Compliant No Training on Your Data Full Audit Trail Enterprise Ready
Sources
Loan origination system
Borrower document inbox
Filing & search portals
Kolena agent · Loan file & UCC review 860 in parallel
01 Read & classify every page
02 Apply your credit & policy checklist
03 Cross-reference & flag exceptions
04 Generate your output template
Every value carries a page citation and a reasoning log.
Destinations
LOS / core banking
Compliance evidence file
Exception queue
This run · Weekly funding queue
Queued Extracting Complete, cited
860 documents running in parallel
9 min elapsed, against five days by hand
24 exceptions routed to your reviewers
Who it is for

Built for the teams that read loan files for a living

Mortgage lenders and servicers Independent mortgage banks and servicers reviewing hundreds of files a month, running QC, or diligencing portfolios.
Private, non-QM and bridge lenders RTL, DSCR and bridge lenders underwriting 400-page packages against their own guidelines.
CRE debt Debt funds, mortgage REITs and bank CRE groups working through loan documents, rent rolls and collateral leases.
Community banks Compliance and loan-operations teams reviewing every LE, CD, flood checklist and HMDA record by hand.
Credit unions Mortgage and indirect-lending teams facing the same reviews with smaller staff and the same examiners.
Consumer lenders and card issuers Compliance-testing and QA functions that sample today because full-population testing was never possible by hand.

The Kolena advantage in lending

Loan review is done by hand because, until now, it had to be. Underwriters read 400-page loan packages against each investor's guidelines, appraisals wait in a review queue, boarding waits on data entry, and compliance checks a sample. Kolena's agents read every page of every file and cite where each answer came from, so the exception that would have been missed is found before an investor, an examiner or a closing table finds it.

95%+Faster turnaroundFunding cycles measured in hours instead of days
96%Less UCC review laborMeasured at Milestone Bank across live filings
100sLoans in parallelSame team, dozens or hundreds of files at once
100%Policy alignmentWritten procedure and executed review stay in sync
Use Cases

One job, four kinds of review

Start with the review your team runs most. Add the next one on the same tenant, with the same people and the same budget line. Each agent starts from an expert-built template, then adapts to your policy, checklist and output format. ROI figures are modelled for a mid-size lender and are sized against your own volumes during a pilot.

01 · Credit & Underwriting

Loan File Diligence and Underwriting Review

Kolena reads the full loan package against your underwriting guidelines or diligence scope: income, assets, appraisal, title, flood certificate, credit, borrower financials, and rent rolls and offering memos for CRE. It flags missing documents and guideline exceptions, one loan at a time or across a 1,700-loan portfolio.

  • •Applies your guideline checklist to every document in a 400-page package and cites the page behind each finding.
  • •Extracts appraisal, title and flood data into your loan tape or investor template.
  • •Diligences acquisition pools in days instead of weeks, with an exception report per loan.
Loan packagesAppraisalsRent rolls & OMsBorrower financials
Expected ROI

4 to 5 hours of DSCR file review, now about 45 minutes, at a 98% accuracy bar set before AI touched a file

Portfolio diligence in days instead of four to six weeks per 300-loan tranche

Owners Underwriters, Due Diligence, Loan Processors, Acquisitions
02 · Loan Operations

Loan Boarding, UCC and Servicing Data

Kolena reads UCC-1 and UCC-3 filings, search certificates, and equipment schedules, extracts debtor name, secured party, filing date, and collateral description, and determines lien position against the collateral you are about to lend on.

  • •Matches debtor names across filings and entity documents to catch mismatches and misspellings.
  • •Flags prior blanket liens, stale filings past lapse, and collateral overlaps before funding.
  • •Writes a clean lien summary back to your LOS with a citation on every field.
  • •Populates the loan tape and boarding sheet from the closing package and tracks document exceptions until they clear.
UCC-1 / UCC-3Search certificatesEquipment schedulesLease documents
Expected ROI

96% less filing review labor, measured at Milestone Bank

5 days → hours funding turnaround on secured deals

Owners Loan Operations, Funding Analysts, Commercial Credit, Collateral Management
03 · Loan Operations

Loan Package and Closing File Validation

Kolena checks the full closing package against your funding checklist: notes, guaranties, entity documents, insurance certificates, invoices, and proof of payment. Missing, stale, or inconsistent documents surface before the file reaches the funder.

  • •Validates invoices and proof of payment against approved use of proceeds instantly.
  • •Reconciles names, amounts, dates, and signatures across every document in the package.
  • •Adapts to SBA, equipment finance, and conventional checklists without a new build.
Notes & guarantiesEntity documentsInvoicesProof of payment
Expected ROI

2.5 hrs → 12 min per closing package, review included

~$420K annual efficiency gain across 4,000 funded files

Owners Loan Operations, Closing & Funding, Doc Prep, Post-Closing QC
04 · Compliance & Regulatory

Regulatory Compliance Review

Kolena checks a loan file or disclosure set against the regulation and your own procedure: flood determinations and 10-day notices, TRID loan estimate and closing disclosure comparison with tolerances, the HMDA LAR against the file, SBA 7(a) and 504 guaranty packages, and TILA statement and pricing checks.

  • •Fills your existing compliance checklist from the file, with the page cited for every entry.
  • •Compares LE to CD and flags tolerance violations, missing disclosures and timing breaches before closing.
  • •Reviews every file, not the sample, so exam prep starts with the whole population.
Loan estimates & CDsFlood determinationsHMDA LARSBA packages
Expected ROI

Every file reviewed before closing instead of a 10% sample

Flood, TRID and HMDA reviews live on one tenant in six weeks at a community bank

Owners Compliance Officers, Compliance Testing & Monitoring, Loan Operations, Internal Audit
05 · CRE Lending

Collateral Lease Auditing

Kolena abstracts the leases behind a loan and reconciles them against the rent roll and the general ledger, with revenue leakage by unit in dollars. It runs monthly, not once, so collateral stays audited for the life of the loan.

  • •Abstracts leases into your template, in any language, with every term cited.
  • •Reconciles lease terms to the rent roll and flags discrepancies by unit with the dollar exposure.
  • •Re-runs on amendments and renewals so the audit never goes stale.
LeasesRent rollsGL extractsAmendments
Expected ROI

Lease abstracts in minutes instead of 30 minutes to 2 hours of proofing each

Monthly lease-to-rent-roll reconciliation with no added headcount

Owners CRE Lending, Asset Management, Servicing, Credit Administration
Also running in lending today:
Consumer-protection compliance testing (TILA, RESPA, UDAAP, Reg Z)Bank statement analysis and financial spreadingKYC and beneficial ownership reviewComplaint and restitution reviewAppraisal report abstractionAnnual loan review and covenant testingInsurance certificate monitoringTrailing document tracking
The Business Case

Where the Return Comes From

Four sources of value, in the order lenders typically realize them. We build this model with your volumes, blended rates, and cycle times during the pilot.

Labor Hours returned to the team Analysts stop rekeying and start reviewing exceptions. Loan volume grows without adding headcount.
Revenue Deals funded sooner Five-day funding cycles become hours. Fewer applications go stale, and fewer borrowers leave for a faster lender.
Losses Errors caught early Missed liens, stale insurance, unverified proceeds, and document gaps found before funding rather than in collections.
Risk Exposure reduced Consistent application of your own credit and compliance standards, plus a defensible record for examiners and auditors.
Who Uses Kolena

Built for the Teams That Own the Paperwork

Kolena is deployed review by review. Each team keeps its own logic, templates and approvals, and the next review goes on the same tenant.

Loan Operations & Funding Funding analysts, closers, doc prep, post-closing QC. Package validation, proof of payment, trailing documents.
Credit & Underwriting Credit analysts, underwriters, portfolio managers. Financial spreading, statement analysis, annual loan review.
Compliance & Regulatory Compliance officers, testing and monitoring teams, fair lending. Test execution, evidence assembly, exam prep.
BSA / AML & Financial Crimes BSA analysts, KYC quality control, onboarding operations. Entity diligence, beneficial ownership, case documentation.
Collateral & Servicing Collateral management, servicing operations, lien perfection. UCC filings, insurance monitoring, covenant tracking.
Internal Audit & Legal Internal audit, in-house counsel, risk management. Control testing, restitution review, policy documentation.

"98% is the accuracy rating we expected of our processors… I'm expecting the same when we are leveraging AI."

Jeremiah Garza, COO, Longhorn Investments
Customer Stories

What Lenders Say

Lenders, servicers and banks measure Kolena in files cleared and days to fund.

"Kolena reduced our UCC filing review labor by 96% and cut funding turnaround time from five days to just a few hours."

Terrie Hyland VP of Operations · Milestone Bank

"AI amplifies our ability to make judgment calls. It doesn't make the judgment calls for us."

Jeremiah Garza Chief Operating Officer · Longhorn Investments DSCR underwriting from 4-5 hours to about 45 minutes; appraisal reviews returned by email in 15-20 minutes. Watch the full conversation with Longhorn's COO →

"What I'm seeing from you is the best result for this that I have seen."

Compliance Leader Top-10 US bank

"I'd love a central source of truth for everything we do, and it sounds like Kolena can be customized to meet exactly that."

Reg-Change Management Lead Regional bank
Read the Wall of Love More customer stories and in-depth case studies from teams automating document work with Kolena. See all
Security & Compliance

Your data, your insights — never black-boxed

Reasoning logs, audit trails, encryption, and governance architecture, sized for institutions under examiner scrutiny and BSA/AML obligations.

PCI, SOC 2, and HIPAA compliant
No training on customer data
Complete audit trail and traceability
Encrypted in transit and at rest
RBAC, ZDR, and access control
Deploys in hours, not IT projects

See it on your own loan files

Send us a loan package and your checklist, fifty UCC filings, or a compliance test script. We will run them before the first call, show you the citations, and size the ROI against your own volumes in the first two weeks.

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Faster funding. Fewer errors. Greater confidence.
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