Proven AI for a Thriving Lending Ecosystem

Accurately assess, confidently decision, perpetually optimize

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Delivering smarter lending with a growing network of innovative solutions, providers, and association partners

Create a durable lending business with proven, intelligent automated decisioning

Decision 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 AI creates client-tailored machine learning models with ethically sourced, responsibly used data to ensure optimal performance and compliance. 

  • Accurately assess 98% of American adults
  • Reduce risk by 20%+ when keeping approvals constant
  • Lift approval rates 25% without additional risk

Increase fair access to lending with consistent decisioning

Give all applicants a fair shot and remove bias in the underwriting process with models optimized for both accuracy and fairness. Zest AI is a pioneer in fairness and AI underwriting and has set the bar for equitable lending.

  • Auto-decision 80% of applications to ensure consistency
  • Lift approvals by 40% on average across protected classes
  • Stay ahead of fair lending policy with proven LDA searches and advanced adversarial debiasing techniques

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 AI delivers streamlined decisioning by optimizing policies and cut-offs to eliminate most of your manual review. 

  • Save up to 60% of time and resources in your lending process
  • Give 80% of borrowers instant, accurate decisions
  • Easily and quickly integrate Zest AI underwriting insights into your lending systems with little to no IT burden

Get a clearer view of your lending business

Zest Lending Intelligence Reports give you the critical information to optimize your end-to-end operations.

Soon, with LuLu, your lending intelligence companion, use the power of generative AI to access and activate your data even more quickly and easily.

LuLu coming soon

“Zest AI’s underwriting technology is a game changer for financial institutions. The ability to serve more members, make consistent decisions, and manage risk has been incredibly beneficial to our credit union. With an auto-decisioning rate of 70-83%, we’re able to serve more members and have a bigger impact on our community. We all want to lend deeper, and AI and machine learning technology gives us the ability to do that while remaining consistent and efficient in our lending decisions.”

Jaynel Christensen, Chief Growth Officer

“Zest AI’s inclusive technology factors in who you’re lending money to and how deep you’re lending. They can show us how we’re lending to older people, women, and minorities. That is very important to me, as the COO, to make sure we’re being diverse and equitable in how we expand access to affordable credit in our communities.”

Anderson Langford, Chief Operations Officer

“Zest AI has been a fantastic partner to First Hawaiian Bank, supporting our AI lending innovation and automation efforts. The accuracy and flexibility in developing modeling for our specific needs have allowed us to adopt leading-edge AI and experience measurable results quickly. We achieved exponential efficiency gains because of Zest’s technology, increasing our automation over tenfold, and valuable guidance in removing ineffective credit policies and guardrails.“

Luke Kudray, AVP & Data Analysis Officer | Consumer Credit & Originations

“Zest AI has been a fantastic partner to First Hawaiian Bank, supporting our AI lending innovation and automation efforts. The accuracy and flexibility in developing modeling for our specific needs have allowed us to adopt leading-edge AI and experience measurable results quickly. We achieved exponential efficiency gains because of Zest’s technology, increasing our automation over tenfold, and valuable guidance in removing ineffective credit policies and guardrails.“

Luke Kudray, AVP & Data Analysis Officer | Consumer Credit & Originations

Achieving high-performance lending

The Impact of AI on Lending Efficiency
Published By Cornerstone Advisors

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For many credit unions and community banks, a lack of innovation in their lending operations results in inefficient processes.

This new Cornerstone Advisors report outlines the challenges that community-based financial institutions are facing and how AI can boost efficiency and success.

Download the report for more details on these findings:

  • The second highest reported concern, after “Cost of funds”, included “Efficiency”
  • 52% of respondents indicated it takes six weeks or longer to deploy a new credit model
  • 80% of respondents believe AI technologies can and will improve the lending processes

For more than 20 years, Cornerstone Advisors has delivered gritty insights, bold strategies and data-driven‍solutions to build smarter banks, credit unions and fintechs. Cornerstone combines its expertise with proprietary data to help financial institutions thrive in today’s challenging environment.  ‍

Learn more at www.crnrstone.com