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Growing Across The Credit Spectrum With GreenState Credit Union

By Zest AI
February 2022

GreenState Credit Union, founded in 1938, is the largest independent financial institution in Iowa, and consistently ranks among the top 1% of US credit unions in returning profits to its members. It recently made a $500 million mortgage commitment to help close Iowa’s racial gap in home ownership. When GreenState wanted a way to say yes to more members, especially members in low-income communities, it turned to Zest to help it build an AI-driven auto loan model that incorporated a lot more data to improve risk ranking across direct and indirect channels. In this case study you'll get a quick take on how Zest's AI lending solution helped GreenState:

  • Increase its volume of instant approvals
  • Drive more business through its online channels for faster and more automated decision-making
  • Approve more loans for new and existing members who might have been overlooked by legacy methods "The results we've seen from the model built with Zest software are impressive, increasing approvals by 22% without increasing our risk, meaning we could deliver more to GreenState members who deserve better." - Amy Henderson, Chief Consumer Services Officer, GreenState Credit Union

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About Zest AI

Zest AI is a mission-driven software company that helps credit unions and banks answer their most important question: Who do I lend to? Zest’s Model Management System lets lenders break the limitations of traditional credit scores to identify good borrowers overlooked by legacy techniques.

Zest has been on a mission to make fair and transparent credit available to all since 2009 and are pioneers in the safe use of AI in credit underwriting.