Modernizing every stage of the lender journey
AI-driven credit underwriting, fraud detection and lending intelligence, all in one platform
Trusted to improve lending growth, automation, and risk performance.
A better borrower experience
Acquisition
Support pre-screen, pre-qualification, and pre-approval campaigns.
Application
Move members through the screening process safely without friction.
Underwriting
Automate decisioning with powerful risk scores dedicated to each product line and delivered within your LOS
Portfolio
Understand ongoing credit risk fluctuations across borrowers on your books to maintain portfolio health.
A suite of solutions built to make lending smarter
Credit underwriting
Tailored and explainable credit decisioning built for financial institutions to automate their credit decisions
Fraud detection
Custom fraud detection models and our consortium to identify and prevent fraud
LuLu lending intelligence
Conversational AI that turns lending and operational questions into solutions within minutes
Unparalleled breadth and depth of lending experience
Financial institutions of all sizes use Zest AI to transform their lending for the better
Adults supported
across the US
Credit decisions
and counting
Assets supported
Active models
Partnership is at the core of what we do
Leading financial institutions choose Zest AI to improve approvals, reduce risk, and deliver better lending experiences
Get started in weeks, not months
Receive a proof of concept tailored to your institution
Hands-on implementation and integration support
We create models customized to your data and initiatives
Dedicated AI advisors
We work with you continuously to optimize and monitor your models