Assess your borrowers with 2-4x more accurate risk ranking than generic models, and expand access to more consumers without increasing risk. Zest AI creates client-tailored machine learning models with ethically sourced, responsibly used data to ensure optimal performance and compliance.
Increase fair access to lending with consistent decisioning
Give all applicants a fair shot and remove bias in the underwriting process with models optimized for both accuracy and fairness. Zest AI is a pioneer in fairness and AI underwriting and has set the bar for equitable lending.
Deliver more decisions faster with better insights
Be more competitive, save time and resources, and delight your customers with an automated, integrated process from application to decision. Zest AI delivers streamlined decisioning by optimizing policies and cut-offs to eliminate most of your manual review.
Get AI-automated underwriting that is tuned to your borrowers and needs. Zest AI serves lenders from the largest FIs, auto and specialty lenders, to the smallest credit unions. Custom to scalable machine learning models have been helping clients that process only 100 to over 600,000 applications or more a year.
applications a year applications a yearZest AI is committed to the future of AI in lending. With over 80 years total of deep U.S. industry experience in legal, compliance, and policy, our team is actively engaged in the conversations that help keep AI transparent, safe, and fair for lenders and their consumers.
By working with lawmakers to enact clear, fair policies, we protect consumers and ensure equitable access to these financial services.
Yolanda D. McGill Zest AI, VP for Policy and Government Affairs, Former Deputy Assistant Director, CFPB Office of Regulations
By working with lawmakers to enact clear, fair policies, we protect consumers and ensure equitable access to these financial services.
Yolanda D. McGill Zest AI, VP for Policy and Government Affairs, Former Deputy Assistant Director, CFPB Office of Regulations
“With climbing delinquencies and charge-offs, Commonwealth Credit Union sets itself apart with 30-40% lower delinquency ratios than our peers. Zest AI’s technology is helping us manage our risk, strategically continue to underwrite deeper, say yes to more members, and control our delinquencies and charge-offs.”
Jaynel Christensen Chief Growth Officer, Commonwealth Credit Union
all consumer loan decisions automated
“Zest AI brought us speed. Beforehand, it could take six hours to decision a loan, and we’ve been able to cut that time down exponentially. Zest AI has helped us tremendously improve our efficiency and member experience.”
Anderson Langford Chief Operations Officer, Truliant Federal Credit Union
increase in instant approvals
“Zest AI helps Reliable Credit Association identify credit risk across the credit spectrum with confidence. The accuracy of the models allows us to effectively, objectively, and consistently price for our credit risk appropriately. The Zest team has been a great partner in supporting us to achieve our goals.”
Lee Holzman President and CEO, Reliable Credit Association
lending with more accurate insights
“Clark County Credit Union is excited to be partnered with Zest AI. They’re not a company that stops after one successful product — they’re always looking for ways to improve and add new solutions that will be even more useful and relevant to their customers. I’m happy to be partnered with an organization that is forward-thinking and always finding ways to do things better and faster.”
Josh Haldeman Chief Lending Officer, Clark County Credit Union
lower 60 DPD delinquency rate than the national model
“At Verity Credit Union, we don’t just talk about serving the underserved—we make it happen. Our partnership with Zest AI made us feel comfortable shifting the way we lend to create meaningful impact for our members. Our industry has a lot of fear about changing the status quo, but AI is the new standard. Verity didn’t want to be left behind, and our partnership with Zest is helping us fulfill our mission of equitable access to credit.”
Elisabeth Hayes Director of Lending, Verity Credit Union
increase in approvals for protected classes
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