IncredibleBank mortgage approval rate & lending review
IncredibleBank decided 374 mortgage applications and funded 305 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions IncredibleBank reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
IncredibleBank at a glance
Approval is 5.6 points above the 83.1% 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 | 92% | 179 / 194 | 94% | $235K | 169 |
| Cash-out refinance | 63% | 17 / 27 | 76% | $145K | 13 |
| Refinance | 86% | 37 / 43 | 81% | $115K | 30 |
| Investment property purchase | 94% | 72 / 77 | 93% | $175K | 67 |
IncredibleBank 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 IncredibleBank lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Marathon County, WI | Mortgage lenders | 95% | 75 | 66 |
| Marathon County, WI | Investment property purchase | 94% | 32 | 29 |
| Marathon County, WI | Refinance | 86% | 21 | 15 |
The county markets where IncredibleBank made the most loans. Each link opens that market with every lender ranked.
Questions about IncredibleBank
What is IncredibleBank's mortgage approval rate?
IncredibleBank approved 88.8% of the 374 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 5.6 points above the 83.1% national rate for the same mix of loan types.
How often do borrowers take the loan IncredibleBank offers?
Borrowers accepted 92% of the loans IncredibleBank approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does IncredibleBank make?
The typical home purchase mortgage loan IncredibleBank made was $235K; across all loan types its typical loan ran from $115K to $235K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does IncredibleBank lend?
IncredibleBank decided applications in 21 of the states Fat Boy Data covers, most of them in Wisconsin, Florida and Illinois.
Can I apply to IncredibleBank directly?
Yes. IncredibleBank is a bank or credit union with 18 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show IncredibleBank'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 IncredibleBank treats applications, then get a rate quote from the lender.