The use case: how Commonwealth Credit Union deploys Zest AI
Commonwealth Credit Union uses Zest AI to automate consumer loan decisioning and to pre-screen and pre-approve applicants through integrations with TruStage Digital Storefront and WithClutch. This lets a leaner underwriting team focus on members who need more support, and leadership uses Lulu for lending insights.
More reported results
Figures published in Zest AI’s case study. They are not independently measured by usedby.
depending on the portfolio, Commonwealth has seen a 30-40% lower delinquency rate than if they had used traditional scoring methods to underwrite.
Since 2021, Zest AI has helped Commonwealth approve more than $324 million in consumer loans, amounting to more than 18,000 loans.
In the customer’s words
As a credit union, we always want to find ways to say yes to more loans and reach deeper into segments of the communities we serve. Zest AI’s technology allows us to do that in a managed, data-driven way, showing us the risk associated with any approval increases we make. This enables us to confidently serve more communities across Central Kentucky, helping our members get their affordable or first loans and make an impact on their financial lives.Zest AI users in Banking & Mortgages
Companies in the same sector, with public evidence.
All In Credit UnionConfirmed
Altra Federal Credit UnionConfirmed
Clark County Credit UnionConfirmed
Community Choice Credit UnionConfirmed
Credit Union WestConfirmed
Desert Valleys FCUConfirmedGo straight to the source
Based on Zest AI’s published case study. We check the public evidence; the results are reported by the vendor.
zest.ai- Last checked
- Oct 24, 2026
Open source capture What the story claims, and what we checked
What we compared with the page.
- The figure: 70-83%Checked
Printed word for word on the page, near the name of Commonwealth Credit Union.
- The passage quoted aboveChecked
Copied word for word from the page, near the name of Commonwealth Credit Union.
- Commonwealth Credit Union uses Zest AIChecked
Confirmed line.
- The result itselfNot checked
We quote it; we did not measure it.
Zest AI’s technology has allowed Commonwealth Credit Union to say yes to more members while decreasing their charge-off and delinquency ratios. With 70-83% of all consumer loan decisions automated, Commonwealth’s ability to compete with other lenders has skyrocketed.