Case Studies

Fast, Consistent Loan Decisions with First Service Credit Union

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First Service Credit Union opened its doors in 1977 and has ever since served the hardworking people of Houston with pride. Its employees are committed to helping members and the surrounding community gain greater financial freedom by providing a simplified financial experience with a personal touch.

First Service wanted portfolio growth and more consistency in its underwriting. It needed faster, automated approvals without adding risk. So the credit union turned to Zest for help in building and adopting a powerful AI auto loans model. The model’s accuracy outshines VantageScores in the crucial (and more profitable) middle credit tiers. First Service is now achieving much higher automation rates compared to industry averages.

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