Zeal Credit Union in Michigan vs the state
17.6%Denial rate-0.97 pts vs state
18.7%Decision denial rate-3.92 pts vs state
75.5%Origination rate+15.61 pts vs state
—Median rate
—Rate spread (pts)
$99kMedian applicant income
228Loans originated
53Denied
Trend in Michigan
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 347 | 261 | 13.5% | — | #135 |
| 2024 | 440 | 271 | 23.6% | — | #130 |
| 2025 | 302 | 228 | 17.6% | — | #172 |
What Zeal Credit Union lends in Michigan
By loan purpose
By loan type
Why it denied Michigan applicants
Where in Michigan
Counties with the most Zeal Credit Union applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Wayne County | 201 | 146 | 42 | 20.9% |
| Oakland County | 55 | 44 | 7 | 12.7% |
| Livingston County | 11 | 10 | 0 | 0.0% |
| Macomb County | 10 | 8 | 1 | 10.0% |
| Washtenaw County | 8 | 7 | 0 | 0.0% |
| Monroe County | 4 | 2 | 2 | 50.0% |
| St. Clair County | 3 | 3 | 0 | 0.0% |
| Lapeer County | 2 | 2 | 0 | 0.0% |
| Roscommon County | 2 | 1 | 1 | 50.0% |
| Barry County | 1 | 1 | 0 | 0.0% |
Other large lenders in Michigan
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 30,644 | 16.3% | 6.75% |
| United Shore Financial Services | B | 29,330 | 11.7% | 6.60% |
| The Huntington National Bank | D | 20,047 | 30.0% | 7.49% |
| Lake Michigan Credit Union | A | 16,662 | 5.6% | 6.75% |
| Fifth Third Bank | D | 11,176 | 26.4% | 7.50% |
| 21st Mortgage | F | 7,424 | 53.4% | 11.04% |
| Citizens Bank | C | 6,592 | 29.0% | 7.65% |
| Triad Financial Services | D | 6,426 | 56.1% | 8.49% |
| Union Home Mortgage | B | 5,303 | 4.3% | 6.75% |
| PNC Bank | D | 5,161 | 26.3% | 7.36% |
Frequently asked questions
Michigan: 302 applications in 2025, of which 228 were originated and 53 denied.
17.6% of all applications, or 18.7% of the applications it actually decided on. The Michigan statewide average across all lenders was 18.5%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Zeal Credit Union's own HMDA filing for properties located in Michigan, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology