# How StagePoint Federal Credit Union uses Zest AI

**51%**: “51% increase in loans”

As published on [zest.ai](https://www.zest.ai/customer-stories/stagepoint-federal-credit-union). Captured by usedby on 2026-10-16.

- Company: [StagePoint Federal Credit Union](https://www.usedby.ai/companies/stagepoint-federal-credit-union.md)
- Tool: [Zest AI](https://www.usedby.ai/tools/zest.md)
- Industry: [Banking & Mortgages](https://www.usedby.ai/companies/industry/banking-mortgages.md)
- Teams: Lending, Underwriting

## What the story says

The credit union uses Zest AI's automated underwriting to make instant loan decisions, including outside staffed hours for auto dealer partners, and to cover for a missing underwriter. It also uses the LuLu Pulse and LuLu Strategy lending intelligence tools to benchmark performance and analyze potential merger targets.

Summary written by usedby from the source page, in English. The figures are those of Zest AI and StagePoint Federal Credit Union, not ours.

> StagePoint deployed Zest AI's automated underwriting solution to fill immediate staffing gaps and enable around-the-clock decisioning, later adding LuLu Pulse and LuLu Strategy to support post-merger performance monitoring and future acquisition analysis.

- **23%**: “23% increase in automation”
- **0%**: “0% increase in delinquencies and charge-offs after merger”
- **35 basis points**: “Loan volume climbed significantly following the merger while delinquency held at just 35 basis points”

> Low delinquency rates have served as an important KPI for us for years, and we weren’t sure how our merger may impact them. By bringing in Zest AI as a partner, I’m proud to say that we saw no increase in delinquencies and charge-offs, even while the number of loans we were servicing grew exponentially.
>
> Jake Anfinson, Chief Lending Officer

Source: [zest.ai](https://www.zest.ai/customer-stories/stagepoint-federal-credit-union), captured 2026-10-16.

## What usedby checked

We compared the story with its live page on 2026-10-16.

- Checked: the figure 51% is printed word for word on the page, near the name of StagePoint Federal Credit Union.
- Checked: the passage quoted above is copied word for word from the page, near the name of StagePoint Federal Credit Union.
- Checked: StagePoint Federal Credit Union uses Zest AI. Confirmed line. Latest check across sources: 2026-10-16.
- Not checked: the result itself. We quote it; we did not measure it.

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Source: https://www.usedby.ai/case-studies/stagepoint-federal-credit-union-zest · How we check: https://www.usedby.ai/methodology