Going All In on AI-Automated Underwriting
Learn how All In Credit Union is a pioneer in adopting AI-automated underwriting technology. Today, it sets the standard for automation and efficient lending decisions.
The zest AI effect
At a glance
All In Credit Union could no longer rely on generic credit scoring models to support their growth ambitions, and needed a partner who could guide them through the operational and cultural change that smarter, faster decisioning would require.
All In partnered with Zest AI in 2021 to build a more accurate, automated underwriting process, later expanding into front-end marketing through a WithClutch integration and seamlessly migrating to a new loan origination system with minimal internal lift.
70% of all consumer lending decisions are now fully automated, with deeper borrower insights improving pre-qualification and cross-sell performance, positioning All In as a benchmark for automation and lending efficiency among U.S. credit unions.
Striving for excellence and challenging the status quo
Since 1966, All In Credit Union has grown exponentially. Its innovative and member-first approach has allowed the credit union to consistently rank among the best in the U.S. by Bauer Financial. In 2021, All In wanted to continue this excellence by delivering faster, smarter decisioning for its members, but could no longer confidently rely on generic credit scoring models.
The lending team wanted to expand, but they needed a reliable partner that could guide them through change management and create a more efficient process. Partnering with Zest AI in 2021, All In Credit Union is a pioneer in adopting AI-automated underwriting technology. Today, it sets the standard for automation and efficient lending decisions.
Driving automation, performance optimization, and flexibility
For All In, building trust in Zest AI’s automated underwriting technology had a measurable impact on their entire lending process. Throughout their partnership with Zest AI, the team has worked to adjust policy cutoffs and guardrails to create a touchless, efficient, and accurate lending process, leading to 70% of all consumer lending decisions being automated.
With these more accurate insights and streamlined decisioning automation, All In expanded the use of Zest AI’s technology and incorporated it into their front-end marketing efforts with another partner, WithClutch. By using these deeper borrower insights, they can more effectively pre-qualify and cross-sell loans through WithClutch’s digital loan application and onboarding experience. This allows All In to increase their look-to-book and provide members with a painless loan application experience.
The flexibility and consistent support from the Zest AI team has allowed All In to easily move forward with process and technology changes, such as switching its LOS to Sync1. Zest AI was able to seamlessly move from one LOS to another with little lift needed from All In.
Innovations on the horizon
As All In continues its tech-forward approach to lending, the team is continuously looking for new ways to adopt AI to streamline and optimize the lending process. These innovations include:
- Zest Protect, Zest AI’s application fraud prevention technology.
- Zest Lending Intelligence reports, granting All In even deeper insights into loan performance and credit migration.
- LuLu, Zest AI's customized generative AI solution that provides proactive insights for operational and strategic lending questions, delivers competitive intelligence, and more.
All In Credit Union
SVP Sales and Lending
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