Accelerate your loan growth across the credit spectrum
Zest lets you build tailored underwriting models that spot good borrowers overlooked by national credit scores so you can say yes to more applicants who need credit.
Build
The build application does this and is awesome for these reasons and it makes life easier than ever before.
Manage risk and control losses while growing fast
Models built using Zest spot the riskiest borrowers and swap them out for more creditworthy applicants so you can build a sounder portfolio quickly.
Adopt
Documentation, Validation & Compliance more words
Build a faster and more responsive lending business
Zest software monitors changes in your lending landscape, giving you the foresight and tools to adapt quickly to new opportunities or challenges.
Operate
Scoring, Monitoring, & Short words and then Analytics
AI-driven lending makes more money
Using more data, better math, and smarter software, lenders can safely expand credit access through more accurate risk prediction, faster credit decisions, and more inclusive lending
how zest is making lending fairer for everyoneZest Model Management System
Everything you need for effective credit model management and easy AI adoption
learn more
“Banks that fail to invest in machine learning will end up fundamentally uncompetitive in a couple of years. We found the best way to drive benefit faster was a partnership with Zest.”
Roger Hochschild
Discover CEO and President
Zest's technology helps us optimize our lending models for maximum accuracy and fairness, ensuring we do right by the communities we serve.
Mihaela Kobjerowski
Chief Consumer Credit Risk Officer
By employing Zest's software that enhances fairness and accuracy in lending, we can offer more people opportunities at training programs and schools that have a demonstrated ability to advance career and income potential.
Angela Ceresnie
CEO
Freddie Mac is always evaluating technology solutions that meet our high standards and support our continued commitment to expanding homeownership opportunities responsibly, especially among first-time homebuyers, minority groups, and those living in underserved markets.
Michael Bradley
SVP Single-Family Housing
Financial inclusion is a core principle for Coastal, which is why we felt it was important to partner with Zest AI, whose industry-leading fair lending tools will help us create credit opportunities for more members.
David Jacobs
VP Credit Risk Management
What's new?
Read our latest blogs, news articles, and resources.
Zest AI to Bring Fast, Fair Credit Access to Credit Unions of All Sizes
Small credit unions gain affordable access to AI-automated credit underwriting through Zest AI's expanded product offering