Credit Underwriting
Zest AI helps lenders make faster, fairer, and more accurate credit decisions. With over 15 years of experience applying AI to lending, Zest AI powers over 600 live models today—each tailored to the institution and goals.
Key Benefits:
- Accuracy: Gain a truer picture of risk with explainable AI using hundreds of data points. Lenders see 25% more approvals without added risk or a 20% risk reduction at constant approval rates.
- Efficiency: Go live in as soon as six weeks and automatically decision up to 80% of applications, cutting manual reviews and origination costs.
- Fairness: Models can assess 98% of U.S. adults and increase approvals 30% on average across protected groups, with built-in fairness testing and compliance reporting.
- Service: We are an extension of your team, providing model risk management documentation, explainability, and 24/7 support from a dedicated U.S.-based team of lending, compliance, and data science experts.
Fraud Detection
Zest AI helps lenders fight rising application fraud with precision and speed—without adding friction for borrowers. Designed for modern lending, it delivers end-to-end detection powered by advanced AI that integrates seamlessly with your underwriting process.
Key Benefits:
- Smarter detection: Stop fraud before it impacts your portfolio. Identify first-party behavioral fraud, compromised identity, and income fraud with AI models proven to detect risk instantly and accurately.
- More control: Get granular flexibilty and transparency with 100% customizable detection tuned to your institution’s risk tolerance, automation goals, customer base, and fraud profiles.
- Frictionless experience: Maintain fast, automated decisioning while protecting your borrowers without compromise. Zest AI’s fraud detection operates within the loan origination workflow, combining fraud prevention and credit underwriting into one unified, real-time process. No per application costs to consider, so every application can get holistic protection.
LuLu lending intelligence
LuLu helps financial institutions move from reactive reporting to proactive strategy. Built specifically for lenders, LuLu combines generative AI with real-time lending data through an integration with your MeridianLink LOS, delivering clear, actionable insights—not dashboards or guesswork.
Key Benefits:
- Smarter Strategy: Use real-time LOS data to test decision rules, simulate policy changes, and see how adjustments could impact approvals, risk, and profitability.
- Competitive Intelligence: Understand pricing and term outcomes of your unbooked loans to refine your terms and stay competitive.
- Operational Visibility: Monitor automation rates, delinquencies, and performance trends to spot opportunities fast.
- Your finger on the Pulse: Access instant benchmarking with the latest NCUA, Bank Call Report, HMDA, and economic data to support board reporting, M&A analysis, financial analysis and forecasting, and more.
With climbing delinquencies and charge-offs, Commonwealth Credit Union sets itself apart with 30-40% lower delinquency ratios than our peers. Zest AI’s technology is helping us manage our risk, strategically continue to underwrite deeper, say yes to more members, and control our delinquencies and charge-offs.”
Jaynel Christensen, Executive Vice President, Commonwealth Credit Union
PRODUCT SHOTS
Let’s Talk — Whether you’re in the preliminary stages of research or looking for detailed answers that may require a demo, our team is always available to discuss your options and how we can help.