Smart, Inclusive, Efficient AI-Automated Underwriting

Accurately assess your borrowers with deep lending insights

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Create a durable lending business with proven, intelligent automated decisioning

Decision confidently with more data, better math 

Assess your borrowers with 2-4x more accurate risk ranking than generic models, and expand access to more consumers without increasing risk. Zest AI creates client-tailored machine learning models with ethically sourced, responsibly used data to ensure optimal performance and compliance. 

  • Accurately assess 98% of American adults
  • Reduce risk by 20%+ when keeping approvals constant
  • Lift approval rates 25% without additional risk

Increase fair access to lending with consistent decisioning

Give all applicants a fair shot and remove bias in the underwriting process with models optimized for both accuracy and fairness. Zest AI is a pioneer in fairness and AI underwriting and has set the bar for equitable lending.

  • Auto-decision 80% of applications to ensure consistency
  • Lift approvals by 40% on average across protected classes
  • Stay ahead of fair lending policy with proven LDA searches and advanced adversarial debiasing techniques

Deliver more decisions faster with better insights

Be more competitive, save time and resources, and delight your customers with an automated, integrated process from application to decision. Zest AI delivers streamlined decisioning by optimizing policies and cut-offs to eliminate most of your manual review. 

  • Save up to 60% of time and resources in your lending process
  • Give 80% of borrowers instant, accurate decisions
  • Easily and quickly integrate Zest AI underwriting insights into your lending systems with little to no IT burden

Get smarter, fairer, faster decisions across your portfolios with best-in-class AI

One size does not fit all

Get AI-automated underwriting that is tuned to your borrowers and needs. Zest AI serves lenders from the largest FIs, auto and specialty lenders, to the smallest credit unions. Custom to scalable machine learning models have been helping clients that process only 100 to over 600,000 applications or more a year.

See how we work with your lending ecosystem

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See big results fast with easy integrations and simple onboarding

  • 1 Custom proof of concept 2 weeks
  • 2 Refine models 1 week
  • 3 Integrate As quickly as 4 weeks
    Zero IT lift
  • 4 Test and deploy Less than 1 week

ONGOING SUPPORT & REVIEW

  • 5 Active model monitoring and support 24/7
  • 6 Business reviews Up to 4 times a year

Get a team, not just a machine. Your Zest AI technology comes with a dedicated team of experts.

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A commitment to compliance

Zest AI is committed to the future of AI in lending. With over 80 years total of deep U.S. industry experience in legal, compliance, and policy, our team is actively engaged in the conversations that help keep AI transparent, safe, and fair for lenders and their consumers.

By working with lawmakers to enact clear, fair policies, we protect consumers and ensure equitable access to these financial services.

Yolanda D. McGill Zest AI, VP for Policy and Government Affairs, Former Deputy Assistant Director, CFPB Office of Regulations

By working with lawmakers to enact clear, fair policies, we protect consumers and ensure equitable access to these financial services.

Yolanda D. McGill Zest AI, VP for Policy and Government Affairs, Former Deputy Assistant Director, CFPB Office of Regulations

Don’t take our word for it

Ready to see how AI-automated underwriting will benefit your lending business?

Request a call to get a personalized proof of concept and ROI analysis with no obligation.