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.”
SVP, Single-Family Business
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.
Increase in approval rate
for thin-file borrowers
Increase in total
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.”
CEO & President
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.”
VP Risk & Analytics
“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.”
SVP Single-Family Business
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.
Better stack rank risk of loans already on your books to inform business strategy and planning.
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.