MICHIGAN SCHOOLS AND GOVERNMENT
MICHIGAN SCHOOLS AND GOVERNMENT received 4,239 applications in 2025 and made 2,908 mortgages, in 71 counties across 3 states. The median rate its borrowers got was 7.195% on a median loan of $105,000. Of 3,470 decisions, 509 were denials — 14.7%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300WWLOUWIJ1Q0H29 |
|---|---|
| Applications received | 4,239 |
| Mortgages made | 2,908 |
| Denied | 509 |
| Approved, not taken up | 53 |
| Withdrawn or incomplete | 769 |
| Loans bought from other lenders | 0 |
| Median rate spread over the prime offer rate | 0.3785 points |
| FDIC-insured bank | This lender is not an FDIC-insured bank under this name: a mortgage company, a credit union, or a bank filing under another name. |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 780 | 6.000% | $275,000 | 5.9% |
| Refinancing | 822 | 7.250% | $105,000 | 13.4% |
| Cash-out refinancing | 123 | 6.375% | $165,000 | 22.6% |
| Other purposes | 1,183 | 7.500% | $55,000 | 19.5% |
Where MICHIGAN SCHOOLS AND GOVERNMENT lends most
The 50 counties where it made the most mortgages in 2025. Each county page ranks every lender there.
| County | Mortgages made | Median rate | Denied |
|---|---|---|---|
| Macomb County, MI | 1,356 | 7.240% | 14.1% |
| Oakland County, MI | 776 | 6.750% | 11.2% |
| Wayne County, MI | 298 | 7.000% | 20.1% |
| St. Clair County, MI | 146 | 6.995% | 16.1% |
| Lapeer County, MI | 40 | 7.120% | 16.3% |
| Washtenaw County, MI | 39 | 6.490% | 21.6% |
| Livingston County, MI | 33 | 7.250% | 13.2% |
| Genesee County, MI | 31 | 7.500% | 22.5% |
| Kent County, MI | 15 | 6.000% | 6.3% |
| Ingham County, MI | 11 | 6.750% | 8.3% |
| Sanilac County, MI | 11 | 7.000% | 21.4% |
| Grand Traverse County, MI | 10 | 7.375% | 9.1% |
| Monroe County, MI | 10 | 7.115% | 23.1% |
| Roscommon County, MI | 10 | 7.375% | 9.1% |
| Lenawee County, MI | 8 | Under 10 loans | 11.1% |
| Clare County, MI | 7 | Under 10 loans | 30.0% |
| Jackson County, MI | 6 | Under 10 loans | 33.3% |
| Saginaw County, MI | 6 | Under 10 loans | 14.3% |
| Crawford County, MI | 5 | Under 10 loans | 16.7% |
| Gladwin County, MI | 5 | Under 10 loans | 28.6% |
| Charlevoix County, MI | 4 | Under 10 loans | 20.0% |
| Eaton County, MI | 4 | Under 10 loans | 0.0% |
| Iosco County, MI | 4 | Under 10 loans | 0.0% |
| Otsego County, MI | 4 | Under 10 loans | 20.0% |
| Ottawa County, MI | 4 | Under 10 loans | 0.0% |
| Clinton County, MI | 3 | Under 10 loans | 25.0% |
| Hillsdale County, MI | 3 | Under 10 loans | 25.0% |
| Mecosta County, MI | 3 | Under 10 loans | 40.0% |
| Midland County, MI | 3 | Under 10 loans | 0.0% |
| Muskegon County, MI | 3 | Under 10 loans | 0.0% |
| Shiawassee County, MI | 3 | Under 10 loans | 0.0% |
| Tuscola County, MI | 3 | Under 10 loans | 25.0% |
| Allegan County, MI | 2 | Under 10 loans | 50.0% |
| Antrim County, MI | 2 | Under 10 loans | 25.0% |
| Bay County, MI | 2 | Under 10 loans | 0.0% |
| Berrien County, MI | 2 | Under 10 loans | 0.0% |
| Calhoun County, MI | 2 | Under 10 loans | 0.0% |
| Cheboygan County, MI | 2 | Under 10 loans | 33.3% |
| Gratiot County, MI | 2 | Under 10 loans | 0.0% |
| Huron County, MI | 2 | Under 10 loans | 0.0% |
| Ionia County, MI | 2 | Under 10 loans | 33.3% |
| Kalamazoo County, MI | 2 | Under 10 loans | 0.0% |
| Montcalm County, MI | 2 | Under 10 loans | 50.0% |
| Ogemaw County, MI | 2 | Under 10 loans | 50.0% |
| Oscoda County, MI | 2 | Under 10 loans | 0.0% |
| Presque Isle County, MI | 2 | Under 10 loans | 0.0% |
| Van Buren County, MI | 2 | Under 10 loans | 0.0% |
| Bay County, FL | 1 | Under 10 loans | 0.0% |
| Charlotte County, FL | 1 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
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Counts, medians and denial shares are computed from the Home Mortgage Disclosure Act loan-level file for 2025, published by the Consumer Financial Protection Bureau through the FFIEC: every application a covered lender received, as the lender reported it. A median rate is what borrowers got, not what you will be offered — it depends on the loan, the property, your credit and the market on the day, and no figure here is a quote. A median over fewer than 10 loans is not shown: it is a number with no meaning and a real person's rate half-exposed. Those cells say "under 10 loans" and the count is still published. This is information, not advice, and no lender pays to appear.