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Michigan Schools and Government

Credit Union•Clinton Township, MIHQ•Direct•Reviews near you on Google

We analyzed every closed loan from Michigan Schools and Government — 1.1k loans across 1k applications— and benchmarked them against peer lenders across the 5 Ps of Mortgage Shopping.

Safe Rate Ratings· each scored 1–5 against peer lenders
Pricing
Strong
4/5
vs. all lenders
Pull-through
Strong
4/5
closing strength
Product
Strong
4/5
FHA · Conventional
Place
Sound
3/5
Regional · 6 mkts
Safe Rate Awards
Conventional Superstar
Conventional
Superstar
FHA Superstar
FHA
Superstar
Purchase Superstar
Purchase
Superstar
Refinance Superstar
Refinance
Superstar

Safe Rate Summary

What They Do Well

  • Offers rates 31.10 basis points below market average
  • Lower than average lender fees
  • Strong pull through performance

Explore another lender or local market

Report Card

Michigan Schools and Government performance at a glance

Overall Performance· Pricing & closing strength
Pricing
Rate competitiveness
Strong
Rates 31.1 bps below market avg
Pull Through
Closing strength
Strong
Top 40% of lenders
By Loan Product· Specialization by type
Conventional
Strong
Top 40% of lenders
FHA
Sound
Top 60% of lenders
By Loan Purpose· Transaction purpose mix
Purchase
Strong
Top 40% of lenders
Refinance
Strong
Top 40% of lenders
By Location· Geographic coverage
Geographic Reach
Regional · 7 markets
Sound
Top 60% of lenders

Loan Product Performance

Performance by Loan Product

Conventional
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Strong
Volume1,047
Mix95.6%
Spread
-0.329%Below
Fees
$646Fees
FHA Loans
Overall
Strong
Product
Sound
Pricing
Strong
Pull Through
Sound
Volume39
Mix3.6%
Spread
+0.216%Above
Fees
$425Fees

Loan Purpose Performance

Performance by Loan Purpose

Purchase
Overall
Strong
Product
Strong
Pricing
Strong
Pull Through
Sound
Volume806
Mix73.6%
Spread
-0.310%Below
Fees
$630Fees
Refinance
Overall
Strong
Product
Strong
Pricing
Exceptional
Pull Through
Strong
Volume289
Mix26.4%
Spread
-0.315%Below
Fees
$657Fees

At a Glance

Lender Overview

Lending Activity
Loans Originated
1,095
Applications
1,492
Volume
$334 million
Pricing & Closing
Avg Rate Spread
-0.311%
vs. market APOR
Avg Net Fees
$637
Origination − Credits
Pullthrough Rate
73.4%
Applications → Closed
Typical Borrower
Avg Loan Amount
$305,539
Avg Borrower Income
$138,630
Avg Property Value
$398,991

Geographic Coverage

Geographic Performance

Metro Areas
6
markets with activity
States Served
2
of 50 states + DC
Avg Place Specialization
Sound
3/5

States with Loan Originations

2
2 states with loan originationsAlaskaAlabamaArkansasArizonaCaliforniaColoradoConnecticutWashington, DCDelawareFloridaGeorgiaHawaiiIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWashingtonWisconsinWest VirginiaWyoming
Midwest1
MI
South1
FL

Top Metro Areas by Place Specialization Score

1© Darren56brown · CC BY-SA 4.0
Warren, MIMetro
Volume 852Mix 77.81% of portfolio
92/100
Exceptional
2© Ken Lund from Reno, Nevada, USA · CC BY-SA 2.0
Detroit, MIMetro
Volume 113Mix 10.32% of portfolio
71/100
Strong
3© w_lemay · CC BY-SA 2.0
Ann Arbor, MIMetro
Volume 23Mix 2.10% of portfolio
57/100
Sound
4© WeaponizingArchitecture · CC BY-SA 4.0
Lansing, MIMetro
Volume 16Mix 1.46% of portfolio
47/100
Sound
5© WMrapids · CC0
Grand Rapids, MIMetro
Volume 16Mix 1.46% of portfolio
45/100
Sound
6© Michael Barera · CC BY-SA 4.0
Flint, MIMetro
Volume 12Mix 1.10% of portfolio
44/100
Sound

Top States by Place Specialization Score

Michigan
Michigan
1
MichiganState
Volume 1,084Mix 99.00% of portfolio
87/100
Exceptional
Florida
Florida
2
FloridaState
Volume 11Mix 1.00% of portfolio
33/100
Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across our core categories (Pricing, Product, Pull-Through, Place), with lender promptness blended in when a lender has responded to real shopper quote requests.

Our Point System (Max 30 Points)

10/ 30 pts
Pricing
Rate and fee competitiveness (33%)
10/ 30 pts
Pull Through
Reliability in closing loans (33%)
10/ 30 pts
Product
Specialization in the loan type (33%)
💎
Champion(80%+ = 24-30 points)
⭐
Superstar(60-79% = 18-23 points)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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The 5 PsRankings are calculated from observed lender differences on closed loans across Pricing, Pull-through, Product, and Place, plus Promptness when a lender has answered real shopper quote requests.
No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.
HMDA 2024Built using publicly available originated loan data from the federal government.
Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.