Decision smarter, deeper and faster with AI credit risk models
and increase funded volume while keeping risk constant
Turn credit risk scoring into funded volume
Decide in minutes, not days
Zest AI evaluates applications instantly, so qualified applicants get an answer before they've had time to look elsewhere.
Turn existing demand into funded loans
Every application that stalls in decisioning is a demand you already paid to generate. Faster decisions capture more of it—without spending another dollar on acquisition.
Lend deeper into the credit spectrum
Safely accept applicants that traditional scores would reject—allowing you to lend even deeper without additional risk.
Accuracy isn't a nice-to-have. It's the difference between a funded loan and a lost one.
for Zest AI customers vs non-Zest customers
at predicting loan default across middle tiers
Zest AI customers have a higher return on assets than the industry
How Zest AI helps during underwriting
Increase automation while keeping risk constant
Zest AI scores every application in real time, cutting decisioning from days to minutes—so fewer applicants abandon and nothing slips through unchecked along the way.
Consistency lenders and applicants can count on
Zest AI keeps decisioning fast and consistent across channels, so lender confidence and application volume keep climbing.
Give loan officers their time back
Automating clear-cut decisions frees loan officers’ time for complex judgment calls that actually need a human.
Know why, not just what
Every model comes with an explainable breakdown of the inputs and weightings behind it for your compliance team, your examiners, and your board.
Integrated into your workflow
Leverage Zest AI to automate decisioning with powerful risk scores dedicated to each product line and delivered within your LOS
Our collaboration with Zest AI allows us to leverage more information and data than we ever have before … By working together, we’re able to make smarter and faster loan decisions, combining our team’s expertise with Zest AI’s advanced technology.
Wade Saunders
Senior VP, Member Lending
FAQs
How can lenders use AI credit risk modeling to reduce loan charge-offs?
Charge-offs usually stem from poorly scored borrowers. By leveraging 10x more data points than traditional bureau scores, Zest AI accurately assesses risk—catching it before it becomes a charge-off without requiring blanket tightening of approval criteria.
How can lenders approve more borrowers without increasing risk?
Lenders approve more borrowers without increasing risk by scoring on expanded data features rather than lowering risk standards. Traditional bureau scores rely on 15–20 data points and lack precision in the mid-tier range, leading to unnecessary rejections. Zest AI builds custom models trained on a lender's historical loan data using 200–300 variables, enabling financial institutions to increase approvals while maintaining portfolio risk.
What is credit decisioning and how are financial institutions using AI to improve it?
Credit decisioning is the process lenders use to decide whether to approve a loan application and on what terms, and it's increasingly running on AI and machine learning models instead of static, rules-based scorecards. That shift lets banks and credit unions make faster, more accurate decisions using far more data than a traditional credit score alone.
Read the full guide: Credit decisioning software: A complete guide for banks and credit unions