Zest AI
Free
Automate credit underwriting and fraud detection with AI-powered models, and monitor portfolio performance through lending intelligence dashboards.
infoAbout Zest AI
Zest AI is a lending technology platform that provides AI-driven credit underwriting, fraud detection, and portfolio intelligence for banks, credit unions, and specialty lenders. The platform automates underwriting decisions using machine learning models, with reported auto-decisioning rates between 70-83%. It includes tools for application fraud detection and lending intelligence that provides portfolio insights for adjusting strategy and policies. The vendor reports supporting credit decisions across over 600 active models and $1 trillion in loan originations. Zest AI targets credit unions, banks, and specialty lenders seeking to automate credit decisions while managing risk and expanding access to credit. The company is headquartered in Burbank, California, and operates as a CUSO (Credit Union Service Organization). The platform emphasizes AI governance and fair lending compliance, with capabilities to analyze lending patterns across demographic groups.