Michigan Schools and Government mortgage approval rate & lending review
Michigan Schools and Government decided 7,433 mortgage applications and funded 6,092 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Michigan Schools and Government reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Michigan Schools and Government at a glance
Approval is 9.4 points above the 74.5% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 94% | 2,054 / 2,195 | 99% | $275K | 2,028 |
| Home improvement loans | 78% | 1,858 / 2,388 | 97% | $55K | 1,805 |
| Cash-out refinance | 74% | 656 / 889 | 98% | $105K | 640 |
| Refinance | 86% | 1,489 / 1,734 | 97% | $85K | 1,447 |
| Investment property purchase | 88% | 135 / 153 | 100% | $145K | 135 |
| Investment cash-out refinance | 64% | 18 / 28 | 89% | $95K | 16 |
| Investment home improvement | 36% | 9 / 25 | 100% | $85K | 9 |
Michigan Schools and Government lending by state
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 Michigan Schools and Government lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Macomb County, MI | Home improvement loans | 80% | 1,259 | 992 |
| Macomb County, MI | Mortgage lenders | 93% | 924 | 850 |
| Macomb County, MI | Refinance | 86% | 866 | 731 |
| Oakland County, MI | Mortgage lenders | 95% | 721 | 676 |
| Oakland County, MI | Home improvement loans | 79% | 589 | 447 |
| Oakland County, MI | Refinance | 88% | 494 | 419 |
| Macomb County, MI | Cash-out refinance | 72% | 527 | 375 |
| Wayne County, MI | Mortgage lenders | 91% | 258 | 234 |
| Wayne County, MI | Home improvement loans | 65% | 268 | 166 |
| Wayne County, MI | Refinance | 80% | 178 | 135 |
| Oakland County, MI | Cash-out refinance | 77% | 179 | 132 |
| St. Clair County, MI | Home improvement loans | 80% | 149 | 112 |
The county markets where Michigan Schools and Government made the most loans. Each link opens that market with every lender ranked.
Questions about Michigan Schools and Government
What is Michigan Schools and Government's mortgage approval rate?
Michigan Schools and Government approved 83.8% of the 7,433 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 9.4 points above the 74.5% national rate for the same mix of loan types.
How often do borrowers take the loan Michigan Schools and Government offers?
Borrowers accepted 98% of the loans Michigan Schools and Government 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 Michigan Schools and Government make?
The typical home improvement loan loan Michigan Schools and Government made was $55K; across all loan types its typical loan ran from $55K to $275K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Michigan Schools and Government lend?
Michigan Schools and Government decided applications in 7 of the states Fat Boy Data covers, most of them in Michigan, Florida and Colorado.
Can I apply to Michigan Schools and Government directly?
Yes. Michigan Schools and Government is a bank or credit union with 24 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Michigan Schools and Government'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 Michigan Schools and Government treats applications, then get a rate quote from the lender.