creating a fairer system

Proper assessment of fair lending and credit models demands a better yardstick

Current techniques are misclassifying
the race of more than 22 million Americans

Zest Race Predictor

An open-source algorithm that improves your ability to predict race in fair lending analysis

see our resources

ZRP: Validated on a national sample in 2021

ZRP is an ML model that more accurately predicts someone’s race and ethnicity than the current standard (BISG). All you need is a full name and location.

Case Study
More African-Americans correctly identified
“This is a free tool any lender can use when they undergo a fair lending or CFPB review, or release a new model. People will feel better and more responsible knowing they got a better race and ethnicity assessment.“
Jay Budzik
Chief Technology Officer
Fewer African-Americans identified as non-AA
Fewer Whites identified as non-White
Case Study
The results with Zest AI are impressive, increasing approvals 26% for low-income designated loans, meaning we could deliver more to GreenState members who deserve better.
Amy Henderson
Chief Consumer Services Officer
Increase in approvals for protected classes
Annual increase in originations
additional profit per year

Mislabeling millions of Americans

One simple fix could have an immediate impact on the Black homeownership rate

The era of the fairer credit score

Public sentiment has shifted and raised expectations of financial institutions' role in equality.

New ways to reduce bias

Zest's fairness innovation helps eliminate discrimination in lending.

See the performance impact on your current portfolio

Powerful credit models fast
Get the ZRP code