Applications / Mortgage Analytics / Lenders / Michigan / Michigan Schools and Government Credit Union
Clinton Township, MI · Credit union · NCUA · $4.3 billion assets · 2,908 loans in 2025
Michigan Schools and Government Credit Union's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
2,908
loans originated, 2025
4,239
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Michigan Schools and Government Credit Union is a Detroit-area lender that lends in low- and moderate-income neighbourhoods more than most similar credit unions, but its loan count fell 2% in 2025 while peers grew.
Originations fell 2% to 2,908, while the typical similar lender (credit unions making between half and twice as many loans) grew 9% and the whole market 10%; its growth was lower than more than four in five peers. Dollar volume still rose, to $530.5 million from $489.8 million. The small dip may reflect the work of absorbing T&I Credit Union, with which it merged in 2025.
Low- and moderate-income (LMI) neighbourhoods took 19.6% of its loans against 14.7%, higher than nearly nine in ten similar lenders, and LMI borrowers 31.8% against 27.5%, higher than about three in four. Majority-minority neighbourhoods took 7.4% against 10.8%, up from 2.4% five years before; the lower share could reflect lending spread across non-metro Michigan and smaller metros.
Refinancing made up 32.5% of its loans, purchase 26.8%, home improvement 22.4% and other purposes 18.3%. Its typical loan, $105,000, matched similar lenders'.
Its biggest market is Detroit-Warren-Dearborn, led by United Wholesale Mortgage and Rocket Mortgage. It also lends in Ann Arbor, Flint and Grand Rapids, where its shares are 0.4% or less.
Questions the data can answer next
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Michigan Schools and Government Credit Union took 4,239 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Refinance 32.5% · Purchase 26.8% · Home improvement 22.4% · Other 18.3%
Conventional 98.9% · FHA 1.1% · of 2,908 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Michigan | 2,902 | 99.8% |
| Florida | 6 | 0.2% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Warren-Troy-Farmington Hills | 2,351 |
| Detroit-Dearborn-Livonia | 298 |
| Ann Arbor | 39 |
| Flint | 31 |
| Grand Rapids-Wyoming-Kentwood | 23 |
| Lansing-East Lansing | 18 |
| Traverse City | 11 |
| Monroe | 10 |
| Jackson | 6 |
| Saginaw | 6 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300WWLOUWIJ1Q0H29 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 763695 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 562049 | 1990–2017 |
Established 1 January 1954. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Michigan Schools and Government Credit Union's data.
Michigan Schools and Government Credit Union's data
$215
Michigan Schools and Government Credit Union and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
Buy Michigan Schools and Government Credit Union's data, $215Jenner Mortgage Analytics: all the data
$2,110
Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
Buy the data, $2,110Jenner, the SAS-compatible software
See prices
Jenner runs programs written in the SAS language. It drew every chart on these pages and fitted the fair-lending model, PROC GLIMMIX on 3.5 million applications. Run the programs that come with the data, or your own.
Get JennerQuestions, or the data and Jenner together: [email protected]