Case Study: VyStar Credit Union achieves 22% increase in approvals and faster automated credit decisions with Zest AI

Faster credit decisions lead to better member experiences

VyStar Credit Union, a $13.4B regional credit union serving 915k members, wanted to grow membership by offering more affordable credit and faster, smoother loan experiences. To transform underwriting and speed decisions, VyStar partnered with Zest AI to adopt AI-driven credit decisioning and integrate it into their loan origination workflow.

Zest AI implemented its Model Management System and AI underwriting models (built with 500+ variables) and used flexible integrations to return insights directly within VyStar’s LOS, enabling near-instant decisions. The result: a 22% increase in approvals while holding risk constant, automation of 64% of all consumer credit decisions and 67% of credit card decisions, and an estimated $40 million in new credit capacity—delivering faster decisions and better member experiences.

VyStar Credit Union

Jenny Vipperman

Chief Lending Officer