Case Study: Clark County Credit Union achieves 35%+ automated approvals and a path to 80% automation with Zest AI

Creating a durable lending business for a changing world

Clark County Credit Union turned to Zest AI for AI-driven automated underwriting after the pandemic forced them to scale back loan decision automation. With $1.1B in assets and 53k members, they needed an agile partner to rebuild automation within their risk tolerance, improve accuracy, and serve more members online while minimizing bias.

Working with Zest AI’s machine learning decisioning, Clark County rapidly increased automated approvals—35% for auto loans, 32% for personal loans, and 39% for credit cards—surpassing their pre-COVID capabilities. Zest AI’s hands‑on onboarding and policy optimization helped the credit union safely expand automation and plan toward an 80% automated decisioning goal, freeing underwriters to focus on complex cases and improving member experience.

Clark County Credit Union

Josh Haldeman

Chief Lending Officer