Case Study: Credit Union of Texas achieves 80% HELOC approval automation and 2-3× higher loan approval automation with Zest AI

CUTX cuts through inefficiencies

Credit Union of Texas (CUTX), a $2.4B credit union serving 150K members, faced rising loan volumes that strained manual underwriting and relied on traditional scoring models that produced inconsistent decisions and couldn’t keep up with economic shifts. To speed decisions, reduce bias, and improve risk accuracy across auto, HELOC, personal loan, and credit card portfolios, they engaged Zest AI and its AI-driven credit underwriting and decisioning solution.

With Zest AI, CUTX automated approvals 2–3× across products without taking on additional risk and now automates 80% of HELOC approvals (a 2× increase), along with 64% of auto, 53% of personal loan, and 41% of credit card approvals. Zest AI’s solution delivered instant member decisions, reduced operational burden, and is being expanded into portfolio management and post‑origination insights to future‑proof CUTX’s lending.

Credit Union of Texas

Chris Murphy

Chief Risk Officer