Chance me for UMich, Columbia, Penn, McGill, Berkeley, and BU?

<p>I'm a junior right now but here's my stats so far.</p>

<p>PSAT: 220
SAT: 2240 (Gonna retake for 2300+)
Physics: 800
Math II: 800
School doesn't rank or do GPA but my overall average is around 95. This is a competitive magnet school ranked around 50 nationally. </p>

<p>All honors freshman year - straight A's
All honors sophomore year - straight A's</p>

<p>Right now:
AP Calc AB
AP Physics C
AP Chem
The rest is honors and I'm pretty sure I'm getting straight A's. I anticipate a 4 in chem and and 5s on my two other ap tests. </p>

<p>Senior Year course load:
AP Lit
AP Econ
AP Calc BC
AP Stat
AP Bio
AP Physics E&M</p>

<p>EC's:
-Volunteered as adaptive swimming coach for disabled children
-Volunteered as companion for disabled children
-Volunteered tutoring struggling children in an urban area
-Moody's Math Challenge honorable mention (organized the team)
-FBLA 5th place state finish
-Science Olympiad 5th place state finish (vice president of team)
-National Honor Society
-Summer lab internship with real independent research (not a program i contacted the professor to set it up. I anticipate a very strong rec from him.)
-UMich math and science scholars summer program
-This summer I have another internship lined up at a materials science company and will be redesigning their website
-JV tennis for 3 years, guaranteed varsity senior year. (I'm not an athlete honestly I do this just for fun)</p>

<p>I'm a white male in an upper middle class town. My main worries are despite my multiple volunteering places, they only add up to ~50 hours. I want to major in financial mathematics, and I'm afraid I kind of lack a hook for it.</p>

<p>I would say you’re good for Michigan and Berkley but I don’t know that much about the others. It’s obvious you’re taking some of the hardest classes you can and your test scores are good. I would say just do some more volunteering.</p>

<p>You should be a match for UMich and high match for UCB and BU.</p>

<p>Any opinions on McGill?</p>

<p>McGill: Safety
BU: Low match
UPenn: Reach
Columbia: Reach
Berkeley: Match (can you pay full-freight?)
UMI: Match</p>