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 score and performance metrics.

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 an overall pricing score of 78.4/100, based on analysis of their loan data including average spread and fees compared to market benchmarks.

What type of lender is Michigan Schools and Government?

Michigan Schools and Government is a Credit Union headquartered in Clinton Township, MI.

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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.

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

Promptness

Not enough data

—/5

No quote responses measured yet

Awards

Conventional

Superstar

FHA

Superstar

Purchase

Superstar

Refinance

Superstar

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

4/5

Pull Through

Closing strength

Strong

Top 40% of lenders

4/5

By Loan Product· Specialization by type

Conventional

1,047 loans · 0.33% below market

Strong

Top 40% of lenders

4/5

FHA

39 loans · 0.22% above market

Sound

Top 60% of lenders

3/5

By Loan Purpose· Transaction purpose mix

Purchase

806 loans · 0.31% below market

Strong

Top 40% of lenders

4/5

Refinance

289 loans · 0.32% below market

Strong

Top 40% of lenders

4/5

By Location· Geographic coverage

Geographic Reach

Regional · 7 markets

Sound

Top 60% of lenders

3/5

Loan Product Performance

Performance by Loan Product

Loan Type	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Conventional	Strong	Strong	Strong	Strong	1,047	95.6%	-0.329%Below	$646Fees
FHA Loans	Strong	Sound	Strong	Sound	39	3.6%	+0.216%Above	$425Fees

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

Purpose	Overall	Product	Pricing	Pull Through	Volume	Mix	Spread	Fees
Purchase	Strong	Strong	Strong	Sound	806	73.6%	-0.310%Below	$630Fees
Refinance	Strong	Strong	Exceptional	Strong	289	26.4%	-0.315%Below	$657Fees

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

markets with activity

States Served

of 50 states + DC

Avg Place Specialization

Sound

3/5

States with Loan Originations

2Full-year 2024 · HMDA

Loans originated

< 1010+None

Midwest1

South1

Top Metro Areas by Place Specialization Score

Warren, MIMetro

Volume 852Mix 77.81% of portfolio

92/100

Exceptional

Detroit, MIMetro

Volume 113Mix 10.32% of portfolio

71/100

Strong

Ann Arbor, MIMetro

Volume 23Mix 2.10% of portfolio

57/100

Sound

Lansing, MIMetro

Volume 16Mix 1.46% of portfolio

47/100

Sound

Grand Rapids, MIMetro

Volume 16Mix 1.46% of portfolio

45/100

Sound

Flint, MIMetro

Volume 12Mix 1.10% of portfolio

44/100

Sound

Top States by Place Specialization Score

MichiganState

Volume 1,084Mix 99.00% of portfolio

87/100

Exceptional

FloridaState

Volume 11Mix 1.00% of portfolio

33/100

Acceptable

How We Rank Lenders

Our rankings use an equal-weight average of scores across the 5 Ps — Pricing, Product, Pull-Through, and Place — with lender promptness blending in as the fifth once a lender has responded to real shopper quote requests.

Our Point System (Max 50 Points)

10/ 50 pts

Pricing

How competitively a lender prices vs. the market benchmark (20%).

10/ 50 pts

Product

Performance on your specific loan type (20%).

10/ 50 pts

Pull Through

How reliably a lender closes the loans it starts (20%).

10/ 50 pts

Place

Depth of a lender's expertise in your local market (20%).

10/ 50 pts

Promptness

How quickly a lender answers real quote requests — blended in once they respond (20%).

Champion(80%+ = 40-50 points)

Superstar(60-79% = 30-39 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.