Profitable, compliant, inclusive lending
We help lenders of all sizes achieve their
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
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.
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.
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.
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.
EVP of Originations and Loan Servicing
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
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.
Read our latest blogs, news articles
Zest AI to Bring Fast, Fair Credit Access to Credit Unions of All Sizes
Small credit unions gain affordable access to AI-automated credit underwriting through Zest AI's expanded product offering