Case Study: Truliant Federal Credit Union achieves 2-3x instant approvals and 24% reduction in delinquencies with Zest AI

Truliant, shining brightly for members with the power of AI

Truliant Federal Credit Union was expanding rapidly—adding branches across Virginia and the Carolinas—while maintaining the same underwriting staff and handling up to 30,000 loan applications per month. To meet high volume, deliver faster, fairer decisions, and support its CDFI mandate to serve underbanked communities, Truliant turned to Zest AI and its AI credit underwriting technology.

Zest AI deployed automated underwriting models that doubled to tripled instant approvals and automated large portions of Truliant’s portfolios: 77% of personal loans, 68% of direct auto, 47% of indirect auto, and 63% of credit cards, driving a 24% average reduction in delinquencies. By using Zest AI, Truliant increased efficiency and accuracy, freeing staff to focus on underserved members and CDFI-funded initiatives.

Truliant Federal Credit Union

Jackson Braswell

Director of Credit Administration and Collections