IncredibleBank
IncredibleBank received 752 applications in 2025 and made 512 mortgages, in 87 counties across 19 states. The median rate its borrowers got was 6.750% on a median loan of $185,000. Of 614 decisions, 73 were denials — 11.9%, most often for debt-to-income ratio.
| Legal Entity Identifier | 549300TV5ZED3EINI708 |
|---|---|
| Applications received | 752 |
| Mortgages made | 512 |
| Denied | 73 |
| Approved, not taken up | 29 |
| Withdrawn or incomplete | 138 |
| Loans bought from other lenders | 3 |
| Median rate spread over the prime offer rate | 0.2715 points |
| FDIC-insured bank | Yes: IncredibleBank, 18 offices |
By loan purpose
| Purpose | Mortgages made | Median rate | Median loan | Denied |
|---|---|---|---|---|
| Home purchase | 342 | 6.745% | $205,000 | 8.1% |
| Refinancing | 71 | 6.625% | $240,000 | 11.6% |
| Cash-out refinancing | 45 | 6.875% | $145,000 | 23.8% |
| Other purposes | 54 | 7.250% | $65,000 | 22.2% |
Where IncredibleBank 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 |
|---|---|---|---|
| Marquette County, MI | 111 | 6.750% | 5.6% |
| Marathon County, WI | 61 | 6.875% | 8.3% |
| Houghton County, MI | 43 | 6.750% | 12.2% |
| Oneida County, WI | 34 | 6.625% | 16.7% |
| Lincoln County, WI | 33 | 6.625% | 14.6% |
| Dickinson County, MI | 32 | 6.500% | 17.5% |
| Gogebic County, MI | 31 | 6.625% | 22.7% |
| Vilas County, WI | 30 | 6.875% | 3.2% |
| Dane County, WI | 9 | Under 10 loans | 20.0% |
| Keweenaw County, MI | 7 | Under 10 loans | 30.0% |
| Iron County, MI | 6 | Under 10 loans | 14.3% |
| Marinette County, WI | 6 | Under 10 loans | 0.0% |
| Milwaukee County, WI | 6 | Under 10 loans | 0.0% |
| Lee County, FL | 5 | Under 10 loans | 50.0% |
| Alger County, MI | 4 | Under 10 loans | 0.0% |
| Menominee County, MI | 4 | Under 10 loans | 0.0% |
| Iron County, WI | 4 | Under 10 loans | 0.0% |
| Price County, WI | 4 | Under 10 loans | 0.0% |
| Charlotte County, FL | 3 | Under 10 loans | 25.0% |
| Baraga County, MI | 3 | Under 10 loans | 0.0% |
| Delta County, MI | 3 | Under 10 loans | 0.0% |
| Florence County, WI | 3 | Under 10 loans | 0.0% |
| Portage County, WI | 3 | Under 10 loans | 0.0% |
| Wood County, WI | 3 | Under 10 loans | 25.0% |
| Larimer County, CO | 2 | Under 10 loans | 0.0% |
| Hillsborough County, FL | 2 | Under 10 loans | 0.0% |
| Brown County, WI | 2 | Under 10 loans | 0.0% |
| Door County, WI | 2 | Under 10 loans | 0.0% |
| Shawano County, WI | 2 | Under 10 loans | 0.0% |
| Sheboygan County, WI | 2 | Under 10 loans | 0.0% |
| Taylor County, WI | 2 | Under 10 loans | 25.0% |
| Waukesha County, WI | 2 | Under 10 loans | 33.3% |
| Winnebago County, WI | 2 | Under 10 loans | 0.0% |
| Pitkin County, CO | 1 | Under 10 loans | 0.0% |
| Western Connecticut Planning Region, CT | 1 | Under 10 loans | 0.0% |
| Brevard County, FL | 1 | Under 10 loans | 0.0% |
| Collier County, FL | 1 | Under 10 loans | 0.0% |
| Hendry County, FL | 1 | Under 10 loans | 0.0% |
| Leon County, FL | 1 | Under 10 loans | 0.0% |
| Manatee County, FL | 1 | Under 10 loans | 0.0% |
| Marion County, FL | 1 | Under 10 loans | 50.0% |
| Miami-Dade County, FL | 1 | Under 10 loans | 0.0% |
| Putnam County, FL | 1 | Under 10 loans | 0.0% |
| Sarasota County, FL | 1 | Under 10 loans | 0.0% |
| Sumter County, FL | 1 | Under 10 loans | 0.0% |
| Volusia County, FL | 1 | Under 10 loans | 50.0% |
| Kane County, IL | 1 | Under 10 loans | 0.0% |
| Porter County, IN | 1 | Under 10 loans | 0.0% |
| Iowa County, IA | 1 | Under 10 loans | 0.0% |
| Chippewa County, MI | 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.