One AI-native stack.Underwriting, end to end.
Adopt one module or the entire stack. Kita handles every borrower file end to end — helping lenders scale loan volume 20× without increasing headcount or security risk, with your underwriter always making the final call.
Every loan file breaks in three places.
Borrower drop-off
Applicants ghost between the form and a complete file. Documents trickle in over weeks.
Document review
Analysts re-key data from scans, screenshots, and statements. Hours per file.
Memo drafting
A clean file still becomes a slow human task to structure into something an underwriter can sign.
Five modules.
One AI-powered lending stack.
Every module plugs into your existing stack and works on its own. Use one, use a few, or run the Intelligent LOS, which brings all five together in one platform.
AI-Powered Application
An application people finish.
A polished, effortless application, white-labeled to your brand — an AI assistant explains each step and fills in the details as borrowers go. Maximize completed applications and capture every lead. 80% less drop-off.
- AI assistant guides every step
- Auto-fills from uploaded documents
- Type, talk, or snap a photo
- Mobile-first, saves progress automatically
KITA ASSISTANTI pulled these from the permit you uploaded. What will you use this loan for?
AI-Powered Borrower Portal
Always in the loop.
A white-labeled portal for a bespoke customer experience. Borrowers track their status in real time, finish next steps in a tap, and stay in close touch with your team — minimizing drop-off and maximizing conversion.
- Real-time application tracking
- Clear next steps, done in a tap
- AI answers routine questions instantly
- Email, SMS, WhatsApp, or portal
AI Credit Officer
Runs the back-and-forth on any channel, in any language.
Chases missing documents, verifies details, flags inconsistencies and points of concern across documents, and answers questions until the file is complete — built for how your borrowers actually communicate.
- Email, SMS, and WhatsApp-enabled chat
- 30+ languages supported
- Flags inconsistencies across documents
- Complete files in days, not weeks
Kita Capture
Document extraction & fraud detection.
Reads any document you point it at regardless of format, length, or quality. Returns clean output with confidence scores and tamper signals.
- Any document, any format, JSON, CSV, Excel, custom
- 50+ document types calibrated per market
- Tampering, forgery, and metadata checks
- REST + Python SDK + portal
AI Underwriter
Recommends, every number source-cited. Your team decides.
Gets your analysts through the tedious manual work faster and underwrites more consistently. Spreads the financials, understands the story behind the numbers, and drafts a memo calibrated to your policy. It recommends — the decision stays in human hands.
- Recommends — your underwriter decides
- Gets through the tedious manual work faster
- Underwrites consistently, every file
- Every figure cited to its source document
Intelligent LOS
The entire stack in one AI-powered system.
Five modules, operating as a single intelligence. It pulls in every application, reads every document, extracts every figure, and flags what requires human review.
Covers April and May only. March is missing, so the three-month deposit average can't be computed.
If you need , start here.
Two rules we never bend.
The decision stays in human hands.
Kita recommends, always against your own policy. Your underwriter signs or overrides. We never approve or deny credit on your behalf.
Forward-deployed and bespoke.
A Kita engineer tailors the stack to your lending workflow and your credit policy, making sure it works on your files, and stays one message away until your first 1,000 run clean.