Lending Intelligence
Turn lending questions into smarter outcomes
decisions faster
Built to help lending teams move faster
LuLu brings together your institution's data, macro-economic trends, and Zest AI's proprietary intelligence in one platform to power smarter credit decisions
Uncover revenue opportunities
Surface qualified applicants turned away by conservative policies.
Increase operational efficiency
Reduce time building reports and consolidate the tools you rely on.
Improve member health
Spot early warning signs before they show up in next quarter's numbers.
Benchmark against peers
Compare your performance against your peers to see where you stand.
Key features
Proactive findings
Surface any anomalies within your portfolio right on the homepage of LuLu.
Policy simulation
Test the impact of your policy changes on your portfolio before going live.
Unfunded insights
See how declined applicants would have performed by connecting your data with credit bureau insights.
Reports library
Leverage over 100+ existing reports to get the most impactful insights.
How LuLu is closing the lending loop
LuLu gives you visibility into every application and its fraud risk, then follows the loan through to track its performance over time
Bring together portfolio, application, and performance data across your lending ecosystem
Explore trends, investigate performance, and analyze lending activity in plain language
Identify revenue opportunities, portfolio risks, policy impacts, and compliance concerns in seconds
Give leadership and lending teams the clarity to act quickly and improve outcomes over time.
See LuLu in action
Applicable across your lending workflows
Acquisition
Support pre-screen, pre-qualification, and pre-approval campaigns.
Application
Move members through the screening process safely without friction.
Underwriting
Automate decisioning with powerful risk scores dedicated to each product line and delivered within your LOS.
Portfolio
Understand ongoing credit risk fluctuations across borrowers on your books to maintain portfolio health and lend deeper.
Real results from real lenders
LuLu gives lenders transparent, explainable answers to lending questions in minutes, not days
“LuLu was really able to demonstrate that we’re pricing things right, and we’re still making reasonable underwriting decisions. We could likely reduce losses by investing more heavily and slowing loan growth, but we would also sacrifice the income, member relationships, and long-term value that come from putting capital to work through lending."
Real lending intelligence. Real operational impact.
FAQs
Where does LuLu source data from?
LuLu draws on customer-provided data via LOS, Cores, Zest AI proprietary data, public industry data, and bureau data. To ensure accuracy, LuLu does not have access to the internet.
What systems does LuLu integrate with?
LuLu integrates with various cores and LOS technologies. Reach out to our team to find out if yours is integrated.
How does Zest AI handle PII in LuLu?
PII is filtered out before it ever reaches databases used by LuLu.
See what lending intelligence can do for your team
Discover how LuLu helps uncover insights faster, reduce manual reporting, and make smarter portfolio decisions with confidence
