The future of lending

Powerful AI for
Better Lending
More Approvals, Less Risk

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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.

25%
Zest clients typically see a 20% to 30% increase in approval rates with no added risk

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

30%
Zest clients typically see a 30% to 40% reduction in charge-offs or defaults with constant approvals

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

5x
Zest clients typically see their automation rates rise fivefold by switching to an AI model

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 everyone
Our product

Zest Model Management System

Everything you need for effective credit model management and easy AI adoption

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“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

Zestimonials

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

Moving to AI-driven underwriting was one of the smartest moves we've made for our business. It's meant not only more approvals, but faster, more confident decisions.

Jenny Vipperman

Chief Lending 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

Learn how your lending can benefit from Zest AI