Drive loan growth and superior service

Stronger, quicker credit decisions help more members achieve their financial goals

We help credit unions of all sizes achieve their
lending objectives

Expand Credit & Drive Loan Growth

Increase lending volumes and take rates across every credit tier

Increase Automation & Efficiency

Automate decisioning, streamline compliance, and increase speed to market for new models and products

Drive Fairer Outcomes

Lend more inclusively and achieve fairer lending outcomes

Manage Risk & Control Loss

Gain greater control over risk management, decrease defaults, and reduce losses

Improve Borrower Experience

Deliver better experiences with faster decisions and more accurate adverse action notices

Enhance Market Competitiveness

Reduce FICO dependency, innovate quickly, and respond to changes faster

Zestimonials

Suncoast is always looking for better ways to help more members. It is and always has been our mission to improve our members' lives, and we see Zest as an investment in that mission.

Victoria Lovett

Chief Lending 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

Partners like Zest can help us improve the member and employee lending experience and fulfill our vision of being our members' trusted financial services provider for life.

Bob Birr

VP and Chief Lending Officer

With Zest's help, most of our members can get an immediate decision. We were able to make faster, smarter decisions using Zest, leaving more time for our staff to deliver top-notch service to our members.

Todd Peeples

SVP Sales and Lending

Industry Voices

Hear from industry lending leaders about their AI-adoption journeys

Expanding credit access to more members

Improving risk assessment accuracy and deeper borrower insights leads to confidence in greater approvals

Case Study
500
Credit variables in the new AI model
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
$40M
New annual originations without added risk
22%
Increase in approvals holding risk constant
Case Study
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
500
Credit variables in the new AI model
$40M
New annual originations without added risk
22%
Increase in approvals holding risk constant
something for everyone

Software to streamline every stakeholder’s work

The Zest Model Management System benefits multiple teams involved in successful lending, including credit risk, compliance, loan operations, and IT.

More than just a new model or fancy scores, the Zest Model Management System is the foundation for powerful AI-driven lending.

Lending Leaders

Compliance

Credit Risk

Loan Operations

Learn how your lending can benefit from Zest AI

Let’s Chat