Zest AI

Make Every Loan a Yes

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Overview

Zest AI provides an AI-automated underwriting platform that helps lenders increase loan approvals and reduce risk. By using more data and better math, Zest AI's machine learning models provide a more accurate picture of borrower risk, leading to more equitable and inclusive lending decisions. The platform is designed to be transparent and explainable to meet regulatory requirements.

✨ Key Features

  • AI-powered credit scoring
  • Machine learning model development and validation
  • Explainable AI (XAI) for regulatory compliance
  • Fair lending analysis and monitoring
  • Integration with existing loan origination systems

🎯 Key Differentiators

  • Focus on explainable and fair AI
  • Proven ability to increase approvals and reduce risk
  • Strong expertise in machine learning for credit underwriting

Unique Value: Helps lenders make more accurate and equitable credit decisions by leveraging the power of machine learning.

🎯 Use Cases (4)

Credit unions Banks Auto lenders Mortgage lenders

✅ Best For

  • Increasing loan approval rates while controlling for risk
  • Improving fair lending outcomes

💡 Check With Vendor

Verify these considerations match your specific requirements:

  • Lenders not open to adopting AI and machine learning in their underwriting process

🏆 Alternatives

FICO Scienaptic Upstart

Provides more advanced and explainable AI models for credit scoring compared to traditional methods, leading to better lending outcomes.

💻 Platforms

Web API

🔌 Integrations

Major loan origination systems (LOS) Credit bureaus Alternative data providers

🛟 Support Options

  • ✓ Email Support
  • ✓ Phone Support
  • ✓ Dedicated Support (All tier)

🔒 Compliance & Security

✓ SOC 2 ✓ GDPR ✓ SSO ✓ SOC 2 Type II

💰 Pricing

Contact for pricing

Free tier: N/A

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