Case Study: Community Choice Credit Union achieves faster, more inclusive lending and 57% home equity automation with Zest AI

Bringing faster home equity decisions to the neighborhood

Community Choice Credit Union, a Michigan-based credit union focused on serving members inclusively, faced slow and inconsistent lending decisions because generic credit models produced limited inputs and required heavy manual review. To deliver fair, instant decisions that matched member expectations, Community Choice Credit Union partnered with Zest AI in 2023 to apply Zest AI’s AI lending technology across its credit card, auto, personal loan and home equity portfolios.

Zest AI implemented its home equity underwriting solution (integrated with MeridianLink) and expanded automation across portfolios, driving home equity automation from 0% to 57% in the first 90 days and enabling 300+ borrowers to be approved the same day they applied; other results include 60% automation for credit cards and 63% for personal loans. By using Zest AI’s models, Community Choice Credit Union achieved faster, more accurate and more inclusive credit decisions while increasing operational efficiency and member access to credit.

Community Choice Credit Union

Devin T. Neu

AVP, Consumer Lending