Specialty Lenders

Enable more borrowers to achieve their goals by safely extending credit quickly and confidently.

"Zest allows us to do our work more efficiently and with less operational risk, while supporting our continued commitment to expanding homeownership opportunities responsibly.”

Michael Bradley

SVP, Single-Family Business




Mortgage Underwriting

Mortgage Servicing


Say yes to more good borrowers

Spot overlooked, creditworthy borrowers and safely lend more without increasing risk.

Be the preferred lender

Fast, accurate decisions on the credit products consumers want will make you the go-to lender for your network and borrowers.

Case study

Prestige Financial


Increase in approval rate
for thin-file borrowers


Increase in total
origination volume
holding risk constant


BPS Increase in average loan yield

“I feel that the most important decision we have made to affect the future growth of the company is partnering with Zest AI. Zest helps lenders like us build better models of predictability that will help us win.”

Bryant Henrie
CEO & President
Case study

Automotive Credit Corp


Decrease in delinquency rates


Annual credit savings from reduction in delinquencies


Increase in K-S (model accuracy)

“Zest’s model is mathematically superior to the scorecard produced by our consultants.”

Diana Larsh
VP Risk & Analytics
trail blazer

Freddie Mac

“Zest allows us to do our machine-learning modeling work more efficiently and with less operational risk while supporting our continued commitment to expanding homeownership opportunities responsibly.”

Michael Bradley
SVP Single-Family Business

Case study
trail blazer
Freddie Mac
Case Study

Models that make an impact

Zest offers effective credit model management and easy AI adoption with benefits wherever your business needs it most.


Make more good loans and fewer bad ones for better lending.


Recuperate more money and deploy resources more efficiently with a clearer view of likelihood to repay.

Portfolio Risk

Re-score the risk of loans already on your books to better inform analysis by your team and partners.


Better, faster, more transparent lending decisions

Whether you need to find more good borrowers, mitigate risk, and decreases loses, drive portfolio yield, or price more intelligently, Zest AI helps you grow safely and in compliance with your regulators.


More data, better math, and smarter software

Build, analyze, validate, and document powerful, compliant AI credit models quickly and easily. With Zest, powerful predictions and confident credit decisions are easy regardless of experience.


Gold standard compliance delivers confidence

Developed specifically for highly-regulated use cases like underwriting, Zest software produces required model risk management documentation and fair lending analyses automatically to satisfy the toughest regulators.


Small footprint; large impact

Drive additional value from your current data and lending software without derailing your IT roadmap. Zest offers flexible deployments and integrations, making AI adoption and operation swift and easy.