# MICHIGAN SCHOOLS AND GOVERNMENT

> **Canonical URL:** https://saferate.com/lenders/michigan-schools-and-government


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


MICHIGAN SCHOOLS AND GOVERNMENT is a credit union, headquartered in Clinton Township, MI, serving borrowers across 2 states, with 1,095 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 22% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 30% for loan approval success

## Overview

- **Institution Type:** Credit Union
- **LEI (Legal Entity Identifier):** 549300WWLOUWIJ1Q0H29
- **Headquarters:** Clinton Township, MI
- **Geographic Reach:** Regional
- **States Served:** 2
- **State List:** FL, MI
- **Markets (MSAs):** 7
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 78/100
- Rating: ●●●●○ (4/5)

### Pull Through: Strong 😀
- Score: 70/100
- Rating: ●●●●○ (4/5)

### Pricing Details
- **Average Rate Spread:** -0.311%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $637
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 1,095
- **Dollar Volume:** $335 million
- **Applications Received:** 1,492
- **Market Share:** 3.00%

## Typical Borrower Profile

- **Average Loan Amount:** $305,539
- **Average Borrower Income:** $138,630
- **Average Property Value:** $398,991

## Safe Rate Awards 🏆

- ⭐ **Conventional Gold Superstar** (70%)
- ⭐ **Purchase Gold Superstar** (64%)
- ⭐ **Refinance Gold Superstar** (78%)

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 71/100 | 1,047 | -0.329% | $646 | Strong 😀 |
| FHA | 59/100 | 39 | +0.216% | $425 | Sound ☺️ |

### Product Performance by Purpose

**Conventional:**
- Purchase: 785 loans, Score: 69/100 (Strong)
- Refinance: 262 loans, Score: 73/100 (Strong)

**FHA:**
- Refinance: 23 loans, Score: 71/100 (Strong)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 68/100 | 806 | $257M | -0.310% | Strong 😀 |
| Refinance | 72/100 | 289 | $78M | -0.315% | Strong 😀 |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 1,084 | 0.96% | 87/100 |
| FL | 11 | 0.00% | 33/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Warren | MI | 852 | 92/100 |
| Detroit | MI | 113 | 71/100 |
| Non |  | 43 | 37/100 |
| Ann Arbor, MI | MI | 23 | 57/100 |
| Grand Rapids | MI | 16 | 45/100 |
| Lansing | MI | 16 | 47/100 |
| Flint, MI | MI | 12 | 44/100 |

## Where This Lender Ranks

MICHIGAN SCHOOLS AND GOVERNMENT appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🥈 **#2** in Warren
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders)
- 🥈 **#2** in Warren Credit Unions
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/credit-unions)
- 🥈 **#2** in Warren for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Michigan Credit Unions
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Michigan for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Warren for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/credit-unions/fha-loans)
- 🥉 **#3** in Warren for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🥉 **#3** in Detroit Credit Unions
  - [View Full Rankings](https://saferate.com/detroit/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Detroit for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/detroit/best-mortgage-lenders/credit-unions/conventional-loans)
- 🥉 **#3** in Ann Arbor, MI Credit Unions
  - [View Full Rankings](https://saferate.com/ann-arbor-mi/best-mortgage-lenders/credit-unions)
- 🥉 **#3** in Ann Arbor, MI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/ann-arbor-mi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#4** in Warren for Conventional Loans
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/conventional-loans)
- 🏆 **#5** in Michigan for FHA Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/credit-unions/fha-loans)
- 🏆 **#6** in Michigan for Jumbo Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/credit-unions/jumbo-loans)
- 🏆 **#6** in Lansing for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/lansing/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#8** in Flint, MI for Conventional Loans (Credit Unions)
  - [View Full Rankings](https://saferate.com/flint-mi/best-mortgage-lenders/credit-unions/conventional-loans)
- 🏆 **#9** in Michigan
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders)
- 🏆 **#9** in Detroit for Conventional Loans
  - [View Full Rankings](https://saferate.com/detroit/best-mortgage-lenders/conventional-loans)
- 🏆 **#10** in Michigan for Conventional Loans
  - [View Full Rankings](https://saferate.com/michigan/best-mortgage-lenders/conventional-loans)
- 🏆 **#11** in Warren for Jumbo Loans
  - [View Full Rankings](https://saferate.com/warren/best-mortgage-lenders/jumbo-loans)

## Frequently Asked Questions

### What loan types does MICHIGAN SCHOOLS AND GOVERNMENT offer?

MICHIGAN SCHOOLS AND GOVERNMENT offers the following mortgage loan types: FHA, Conventional. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does MICHIGAN SCHOOLS AND GOVERNMENT offer mortgages?

MICHIGAN SCHOOLS AND GOVERNMENT offers mortgages in 2 states: FL, MI.

### How competitive are MICHIGAN SCHOOLS AND GOVERNMENT's mortgage rates?

MICHIGAN SCHOOLS AND GOVERNMENT has a pricing score of 78/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.311% below market average.

### What type of lender is MICHIGAN SCHOOLS AND GOVERNMENT?

MICHIGAN SCHOOLS AND GOVERNMENT is a member-owned financial cooperative that typically offers competitive rates to its members, headquartered in Clinton Township, MI.

### What is MICHIGAN SCHOOLS AND GOVERNMENT's loan approval success rate?

MICHIGAN SCHOOLS AND GOVERNMENT has a pull-through score of 70/100 (Strong). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/michigan-schools-and-government

### How to Cite

> "MICHIGAN SCHOOLS AND GOVERNMENT Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/michigan-schools-and-government

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