The use case: how Altra Federal Credit Union deploys Zest AI
Altra uses Zest AI to build an AI-based underwriting model that automates credit decisioning for consumer loans. The model was trained on prior loan data and uses selected bureau variables to predict delinquencies.
Figures in the source
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Overall, Altra has increased its automated approvals by 2.5x, and their automated decisioning by 1.3x.
Their personal loans portfolio particularly stands out, increasing automated approvals by 6.7x and automated decisioning by 1.8x.
Zest AI users in Banking & Mortgages
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Based on Zest AI’s published case study. We check the public evidence; the results are reported by the vendor.
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- Oct 24, 2026
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Overall, Altra has increased its automated approvals by 2.5x, and their automated decisioning by 1.3x. Their personal loans portfolio particularly stands out, increasing automated approvals by 6.7x and automated decisioning by 1.8x.