Michigan Schools And Government
HMDA Loan Application Totals
and Mortgage Lending Details
for 2022
Michigan Schools And Government 2022 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Michigan Schools And Government 40400 Garfield Road Clinton Township, MI 48038 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 4,607 |
| Total Mortgage Loan Application Amount | $521,825,000 |
| Average Mortgage Loan Application Amount | $123,200 |
| Highest Mortgage Loan Application Amount | $1,635,000 |
| Average Applicant Income | $103,400 |
| Highest Applicant Income | $1,950,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2022 with Michigan Schools And Government. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Michigan Schools And Government's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2022 breaks down Michigan Schools And Government's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Michigan Schools And Government serves its applicants.
Each category highlights the total number of mortgage applications processed by Michigan Schools And Government, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Michigan Schools And Government's mortgage activity for 2022.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Macomb County Michigan | 2,531 | $ 262,965,000 | $ 103,000 | $ 94,000 |
| Oakland County Michigan | 954 | $ 128,070,000 | $ 134,000 | $ 127,000 |
| Wayne County Michigan | 413 | $ 43,865,000 | $ 106,000 | $ 100,000 |
| St. Clair County Michigan | 266 | $ 31,330,000 | $ 117,000 | $ 118,000 |
| Lapeer County Michigan | 81 | $ 11,015,000 | $ 135,000 | $ 110,000 |
| Livingston County Michigan | 56 | $ 6,380,000 | $ 113,000 | $ 132,000 |
| Genesee County Michigan | 31 | $ 4,125,000 | $ 133,000 | $ 99,000 |
| Washtenaw County Michigan | 30 | $ 5,490,000 | $ 183,000 | $ 139,000 |
| Sanilac County Michigan | 28 | $ 3,560,000 | $ 127,000 | $ 111,000 |
| Monroe County Michigan | 17 | $ 1,845,000 | $ 108,000 | $ 111,000 |
| Huron County Michigan | 15 | $ 1,775,000 | $ 118,000 | $ 123,000 |
| Jackson County Michigan | 13 | $ 1,355,000 | $ 104,000 | $ 115,000 |
| Roscommon County Michigan | 12 | $ 730,000 | $ 60,000 | $ 101,000 |
| Kent County Michigan | 11 | $ 1,625,000 | $ 147,000 | $ 175,000 |
| Cheboygan County Michigan | 8 | $ 1,200,000 | $ 150,000 | $ 180,000 |
| Clare County Michigan | 6 | $ 620,000 | $ 103,000 | $ 133,000 |
| Gladwin County Michigan | 6 | $ 900,000 | $ 150,000 | $ 171,000 |
| Ingham County Michigan | 6 | $ 1,020,000 | $ 170,000 | $ 209,000 |
| Iosco County Michigan | 6 | $ 860,000 | $ 143,000 | $ 96,000 |
| Ogemaw County Michigan | 6 | $ 670,000 | $ 111,000 | $ 109,000 |
| Presque Isle County Michigan | 6 | $ 700,000 | $ 116,000 | $ 78,000 |
| Antrim County Michigan | 5 | $ 625,000 | $ 125,000 | $ 72,000 |
| Mecosta County Michigan | 5 | $ 265,000 | $ 53,000 | $ 97,000 |
| Calhoun County Michigan | 4 | $ 410,000 | $ 102,000 | $ 151,000 |
| Charlevoix County Michigan | 4 | $ 390,000 | $ 97,000 | $ 161,000 |
| Crawford County Michigan | 4 | $ 480,000 | $ 120,000 | $ 146,000 |
| Midland County Michigan | 4 | $ 440,000 | $ 110,000 | $ 123,000 |
| Ottawa County Michigan | 4 | $ 1,330,000 | $ 332,000 | $ 138,000 |
| Saginaw County Michigan | 4 | $ 370,000 | $ 92,000 | $ 43,000 |
| Tuscola County Michigan | 4 | $ 470,000 | $ 117,000 | $ 133,000 |
| Alcona County Michigan | 3 | $ 405,000 | $ 135,000 | $ 196,000 |
| Arenac County Michigan | 3 | $ 455,000 | $ 151,000 | $ 144,000 |
| Bay County Michigan | 3 | $ 395,000 | $ 131,000 | $ 63,000 |
| Berrien County Michigan | 3 | $ 285,000 | $ 95,000 | $ 184,000 |
| Cass County Michigan | 3 | $ 215,000 | $ 71,000 | $ 168,000 |
| Eaton County Michigan | 3 | $ 425,000 | $ 141,000 | $ 140,000 |
| Montmorency County Michigan | 3 | $ 285,000 | $ 95,000 | $ 72,000 |
| Oscoda County Michigan | 3 | $ 255,000 | $ 85,000 | $ 46,000 |
| Otsego County Michigan | 3 | $ 345,000 | $ 115,000 | $ 66,000 |
| Shiawassee County Michigan | 3 | $ 325,000 | $ 108,000 | $ 60,000 |
| Alpena County Michigan | 2 | $ 140,000 | $ 70,000 | $ 38,000 |
| Benzie County Michigan | 2 | $ 110,000 | $ 55,000 | $ 107,000 |
| Gratiot County Michigan | 2 | $ 90,000 | $ 45,000 | $ 66,000 |
| Houghton County Michigan | 2 | $ 320,000 | $ 160,000 | $ 115,000 |
| Isabella County Michigan | 2 | $ 570,000 | $ 285,000 | $ 132,000 |
| Kalamazoo County Michigan | 2 | $ 260,000 | $ 130,000 | $ 81,000 |
| Marquette County Michigan | 2 | $ 260,000 | $ 130,000 | $ 84,000 |
| Montcalm County Michigan | 2 | $ 150,000 | $ 75,000 | $ 115,000 |
| Van Buren County Michigan | 2 | $ 50,000 | $ 25,000 | $ 64,000 |
| Wexford County Michigan | 2 | $ 130,000 | $ 65,000 | $ 79,000 |
| Orange County Florida | 1 | $ 255,000 | $ 255,000 | $ 44,000 |
| Pasco County Florida | 1 | $ 15,000 | $ 15,000 | $ 58,000 |
| Sumter County Florida | 1 | $ 85,000 | $ 85,000 | $ 120,000 |
| Allegan County Michigan | 1 | $ 145,000 | $ 145,000 | $ 73,000 |
| Barry County Michigan | 1 | $ 175,000 | $ 175,000 | $ 168,000 |
| Emmet County Michigan | 1 | $ 25,000 | $ 25,000 | $ 148,000 |
| Gogebic County Michigan | 1 | $ 95,000 | $ 95,000 | $ 79,000 |
| Grand Traverse County Michigan | 1 | $ 85,000 | $ 85,000 | $ 171,000 |
| Hillsdale County Michigan | 1 | $ 85,000 | $ 85,000 | $ 65,000 |
| Ionia County Michigan | 1 | $ 135,000 | $ 135,000 | $ 37,000 |
| Lake County Michigan | 1 | $ 75,000 | $ 75,000 | $ 179,000 |
| Leelanau County Michigan | 1 | $ 105,000 | $ 105,000 | $ 188,000 |
| Lenawee County Michigan | 1 | $ 45,000 | $ 45,000 | $ 25,000 |
| Mason County Michigan | 1 | $ 45,000 | $ 45,000 | $ 114,000 |
| Newaygo County Michigan | 1 | $ 35,000 | $ 35,000 | $ 65,000 |
| Osceola County Michigan | 1 | $ 25,000 | $ 25,000 | $ 60,000 |
| Schoolcraft County Michigan | 1 | $ 45,000 | $ 45,000 | $ 203,000 |
Mortgage Loan Application Detail Totals for Michigan Schools And Government in 2022
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Improvement | 1,549 | $93,575,000 | $60,000 | $335,000 | $111,000 | $984,000 |
| Cash-out Refinancing | 1,166 | $155,650,000 | $133,000 | $865,000 | $100,000 | $792,000 |
| Home Purchase | 753 | $173,675,000 | $230,000 | $1,635,000 | $112,000 | $1,950,000 |
| Other Purpose | 749 | $47,885,000 | $63,000 | $255,000 | $100,000 | $1,108,000 |
| Refinancing | 390 | $51,040,000 | $130,000 | $1,245,000 | $94,000 | $603,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 3,711 | $411,695,000 | $110,000 | $1,245,000 | $106,000 | $1,950,000 |
| Not Provided | 347 | $42,265,000 | $121,000 | $725,000 | $111,000 | $600,000 |
| Black or African American | 311 | $31,345,000 | $100,000 | $1,635,000 | $86,000 | $984,000 |
| Asian | 117 | $22,795,000 | $194,000 | $975,000 | $134,000 | $1,401,000 |
| Hispanic | 84 | $10,140,000 | $120,000 | $445,000 | $97,000 | $320,000 |
| American Indian or Alaskan Native | 8 | $770,000 | $96,000 | $245,000 | $70,000 | $116,000 |
| Native Hawaiian or Other Pacific Islander | 7 | $635,000 | $90,000 | $145,000 | $69,000 | $163,000 |
| Not applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 4,538 | $510,050,000 | $112,000 | $1,635,000 | $106,000 | $1,950,000 |
| FHA-insured (Federal Housing Administration) | 69 | $11,775,000 | $170,000 | $425,000 | $75,000 | $192,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 3,110 | $373,840,000 | $120,000 | $1,635,000 | $109,000 | $1,401,000 |
| Application Denied By Financial Institution | 702 | $59,150,000 | $84,000 | $465,000 | $88,000 | $1,950,000 |
| Application Withdrawn By Applicant | 455 | $59,735,000 | $131,000 | $645,000 | $109,000 | $908,000 |
| File Closed For Incompleteness | 257 | $22,065,000 | $85,000 | $465,000 | $106,000 | $650,000 |
| Application Approved But Not Accepted | 83 | $7,035,000 | $84,000 | $345,000 | $92,000 | $260,000 |
| Loan Purchased By The Institution | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 3,905 | $462,675,000 | $118,000 | $1,635,000 | $109,000 | $1,401,000 |
| Debt-To-Income Ratio | 342 | $27,750,000 | $81,000 | $375,000 | $66,000 | $389,000 |
| Collateral | 149 | $11,445,000 | $76,000 | $455,000 | $118,000 | $1,950,000 |
| Credit History | 101 | $8,285,000 | $82,000 | $285,000 | $91,000 | $480,000 |
| Other | 58 | $3,960,000 | $68,000 | $335,000 | $114,000 | $984,000 |
| Credit Application Incomplete | 20 | $3,230,000 | $161,000 | $465,000 | $119,000 | $350,000 |
| Unverifiable Information | 19 | $2,095,000 | $110,000 | $255,000 | $89,000 | $360,000 |
| Employment History | 9 | $1,235,000 | $137,000 | $255,000 | $84,000 | $135,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 4 | $1,150,000 | $287,000 | $345,000 | $156,000 | $190,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Michigan Schools And Government's 2022 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Michigan Schools And Government's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Michigan, download the full spreadsheet
with aggregated HMDA statistics today.