Zeal Credit Union mortgage approval rate & lending review
Zeal Credit Union decided 884 mortgage applications and funded 669 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Zeal Credit Union reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Zeal Credit Union at a glance
Approval is 13.2 points above the 65.0% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Home improvement loans | 77% | 542 / 701 | 96% | $45K | 522 |
| Refinance | 82% | 119 / 146 | 99% | $45K | 118 |
Zeal Credit Union lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Michigan | 78% | $45K | 884 | 669 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Zeal Credit Union lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Wayne County, MI | Home improvement loans | 77% | 511 | 374 |
| Oakland County, MI | Home improvement loans | 79% | 120 | 95 |
| Wayne County, MI | Refinance | 84% | 110 | 92 |
The county markets where Zeal Credit Union made the most loans. Each link opens that market with every lender ranked.
Questions about Zeal Credit Union
What is Zeal Credit Union's mortgage approval rate?
Zeal Credit Union approved 78.2% of the 884 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 13.2 points above the 65.0% national rate for the same mix of loan types.
How often do borrowers take the loan Zeal Credit Union offers?
Borrowers accepted 97% of the loans Zeal Credit Union approved, against 93% for all home improvement loan lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Zeal Credit Union make?
The typical home improvement loan loan Zeal Credit Union made was $45K; across all loan types its typical loan ran from $45K to $45K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Zeal Credit Union lend?
Zeal Credit Union decided applications in 1 of the states Fat Boy Data covers, most of them in Michigan.
Can I apply to Zeal Credit Union directly?
Yes. Zeal Credit Union is a bank or credit union with 18 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Zeal Credit Union's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Zeal Credit Union treats applications, then get a rate quote from the lender.