Accurately assess your borrowers with deep lending insights
Request a proof of conceptDecision confidently with more data, better math
Assess your borrowers with 2-4x more accurate risk ranking than generic models, and expand access to more consumers without increasing risk. Zest creates client-tailored machine learning models with ethically sourced, responsibly used data to ensure optimal performance and compliance.
Increase fair access to lending with advanced, bias-reducing technology
Give all applicants a fair shot and remove bias in the underwriting process with models optimized for both accuracy and fairness. Zest 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 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 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.
See how we work with your lending ecosystemapplications a year
applications a year
Zest 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.
By working with lawmakers to enact clear, fair policies, we protect consumers and ensure equitable access to these financial services.
“With climbing delinquencies and charge-offs, Commonwealth Credit Union sets itself apart with 30-40% lower delinquency ratios than our peers. Zest’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
“Zest 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 has helped us tremendously improve our efficiency and member experience.”
Anderson Langford Chief Operations Officer, Truliant Federal Credit Union
“Zest 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
“Clark County Credit Union is excited to be partnered with Zest. 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
“At Verity Credit Union, we don’t just talk about serving the underserved—we make it happen. Our partnership with Zest 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
Request a call to get a personalized proof of concept and ROI analysis with no obligation.