Profitable, compliant, inclusive lending

A flexible solution to help accelerate your lending business by saying yes to more customers

We help lenders 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

It's been a pleasure working with Zest. The experience has been very white glove, clear, and consistent. The Zest team really understood our use case and the goals we have to build a fintech business.

Kegan Peterson

Chief Operating 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

Zest made it clear along the way what they were doing and what data they were using all the way through. I wouldn’t want our competitors to have it.

Andrew Fussell

EVP of Originations and Loan Servicing

Industry Voices

Hear from industry lending leaders about their AI-adoption journeys.

Improving opportunity with greater, fairer credit access

More accurate and fairer assessment of borrowers enabled more approvals across the board

Case Study
$1.1M
Additional profit gained per year
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
17%
Increase in overall approval rate
20%
Increase in approvals for protected classes
Case Study
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
$1.1M
Additional profit gained per year
17%
Increase in overall approval rate
20%
Increase in approvals for protected classes
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 even 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