Case Study: Commonwealth Credit Union achieves 70–83% automated loan decisions and 30–40% lower delinquency with Zest AI

Innovating the lending ecosystem

Commonwealth Credit Union, a $2.2B credit union serving 120k members, needed faster, more accurate and unbiased lending to say yes to more members—especially after COVID-era staff turnover strained underwriting capacity. They turned to Zest AI’s AI credit underwriting technology to automate decisions and extend credit deeper into their communities while maintaining risk controls.

Zest AI implemented automated underwriting models integrated with Commonwealth’s systems and digital storefronts, plus tools like Lulu for lending intelligence, enabling pre-screening and pre-approvals. As a result, Zest AI now automates 70–83% of consumer loan decisions, has helped approve more than $324M across 18,000+ loans since 2021, produced a 340% uplift in automation for auto and personal loans, and delivered 30–40% lower delinquency rates versus traditional models.

Commonwealth Credit Union

Jaynel Christensen

Chief Growth Officer