The use case: how Desert Valleys FCU deploys Zest AI
The credit union uses Zest AI's automated underwriting to make faster, more accurate lending decisions and to support fair lending and model risk compliance with built-in documentation.
More reported results
Figures published in Zest AI’s case study. They are not independently measured by usedby.
60% resource efficiency gains †
20% increase in approvals with no added risk †
40% increase in approvals across protected classes †
In the customer’s words
Zest AI brought an incredible amount of data-driven analytics to support our compliance with the Fair Credit Act. We knew we were compliant, but there’s a big difference between saying you’re doing it right and having the documentation that you’re doing it right. Zest gave us incredibly comprehensive reporting and documentation that instilled confidence and lessened the compliance burden, which is huge for smaller credit unions.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
Commonwealth Credit UnionConfirmed
Community Choice Credit UnionConfirmed
Credit Union WestConfirmedGo 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: $1MChecked
Printed word for word on the page, near the name of Desert Valleys FCU.
- The passage quoted aboveChecked
Copied word for word from the page, near the name of Desert Valleys FCU.
- Desert Valleys FCU uses Zest AIChecked
Confirmed line.
- The result itselfNot checked
We quote it; we did not measure it.
In their first three months, Desert Valleys saw over $1 million in loan growth, with broader expectations of 60% resource efficiency gains, a 20% increase in approvals without added risk, and a 40% increase in approvals across protected classes.
