Zeal Credit Union
Zeal Credit Union received 302 applications in 2025 and made 228 mortgages, in 15 counties across 1 state. The median rate its borrowers got was Not published on a median loan of $55,000. Of 284 decisions, 53 were denials — 18.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300DXF2FQC64H6G42 |
|---|---|
| Applications received | 302 |
| Mortgages made | 228 |
| Denied | 53 |
| Approved, not taken up | 3 |
| Withdrawn or incomplete | 18 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | Not published |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Refinancing | 2 | Under 10 loans | Under 10 loans | 0.0% |
| Cash-out refinancing | 19 | Not published | $65,000 | 13.6% |
| Other purposes | 207 | Not published | $55,000 | 19.2% |
Where Zeal Credit Union lends most
The 15 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Wayne County, MI | 146 | Not published | 22.0% |
| Oakland County, MI | 44 | Not published | 13.7% |
| Livingston County, MI | 10 | Not published | 0.0% |
| Macomb County, MI | 8 | Under 10 loans | 11.1% |
| Washtenaw County, MI | 7 | Under 10 loans | 0.0% |
| St. Clair County, MI | 3 | Under 10 loans | 0.0% |
| Lapeer County, MI | 2 | Under 10 loans | 0.0% |
| Monroe County, MI | 2 | Under 10 loans | 50.0% |
| Barry County, MI | 1 | Under 10 loans | 0.0% |
| Berrien County, MI | 1 | Under 10 loans | 0.0% |
| Kalamazoo County, MI | 1 | Under 10 loans | 0.0% |
| Newaygo County, MI | 1 | Under 10 loans | 0.0% |
| Otsego County, MI | 1 | Under 10 loans | 0.0% |
| Roscommon County, MI | 1 | Under 10 loans | 50.0% |
| Ogemaw County, MI | 0 | Under 10 loans | Not published |
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When Zeal Credit Union’s figures are published for the next year, or restated.
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.