ZAML models give you a better ability to segment customers, so you can approve more good borrowers without added risk.
By looking beyond traditional credit scores, you can identify borrowers who pose too much risk for your portfolio.
ZAML uses more data and patented AI tools to increase fairness without sacrificing accuracy.
ZAML tools excel at optimizing your pricing across the risk spectrum, so you can deliver great offers to deserving borrowers in full compliance with all underwriting and fair lending laws.
ZAML uses more data and patented AI tools to increase fairness without sacrificing accuracy. We're already helping financial institutions and other mortgage lenders expand homeownership. A pilot program with one large mortgage lender found that ZAML would:
reduction in mortgage approval rate gap between Hispanic and White borrowers
reduction in even larger mortgage approval rate gap between Black and White borrowers
additional minority families in new homes, with minimal added risk