Case Study: All In Credit Union achieves 70% automated consumer lending decisions with Zest AI

All In Credit Union - Customer Case Study

All In Credit Union, a $2.7B institution serving 190k members, needed faster, smarter lending decisions and could no longer rely on generic credit scoring. In 2021 they partnered with Zest AI to adopt AI-automated underwriting and sought a partner to guide change management as they expanded lending operations.

Zest AI deployed its automated underwriting platform—augmenting it with policy cutoffs, guardrails, and tools like Zest Protect, Zest Lending Intelligence, and LuLu—allowing All In to create a touchless, efficient lending process. The partnership automated 70% of all consumer lending decisions (70% of auto, 80% of personal loan, and 80% of credit card decisions), enabled approvals that previously wouldn’t have been made, supported a seamless LOS migration to Sync1, and delivered deeper borrower insights used with WithClutch to improve pre‑qualification and conversion.

All In Credit Union

Todd Peeples

SVP Sales & Lending Administration