Incrediblebank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2019
Incrediblebank 2019 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 | Incrediblebank 327 N 17Th Ave Wausau, WI 54401 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 | 1,445 |
| Total Mortgage Loan Application Amount | $259,345,000 |
| Average Mortgage Loan Application Amount | $153,000 |
| Highest Mortgage Loan Application Amount | $2,595,000 |
| Average Applicant Income | $97,000 |
| Highest Applicant Income | $2,496,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2019 with Incrediblebank. 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 Incrediblebank's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2019 breaks down Incrediblebank'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 Incrediblebank serves its applicants.
Each category highlights the total number of mortgage applications processed by Incrediblebank, 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 Incrediblebank's mortgage activity for 2019.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Marquette County Michigan | 337 | $ 61,255,000 | $ 181,000 | $ 94,000 |
| Marathon County Wisconsin | 241 | $ 44,835,000 | $ 186,000 | $ 104,000 |
| Oneida County Wisconsin | 134 | $ 24,150,000 | $ 180,000 | $ 103,000 |
| Lincoln County Wisconsin | 131 | $ 20,275,000 | $ 154,000 | $ 99,000 |
| Vilas County Wisconsin | 109 | $ 24,495,000 | $ 224,000 | $ 106,000 |
| Houghton County Michigan | 76 | $ 11,240,000 | $ 147,000 | $ 91,000 |
| Dickinson County Michigan | 54 | $ 6,650,000 | $ 123,000 | $ 78,000 |
| Dane County Wisconsin | 48 | $ 14,590,000 | $ 303,000 | $ 139,000 |
| Gogebic County Michigan | 28 | $ 2,420,000 | $ 86,000 | $ 78,000 |
| Iron County Wisconsin | 17 | $ 1,895,000 | $ 111,000 | $ 102,000 |
| Alger County Michigan | 14 | $ 1,940,000 | $ 138,000 | $ 79,000 |
| Portage County Wisconsin | 14 | $ 3,140,000 | $ 224,000 | $ 206,000 |
| Baraga County Michigan | 11 | $ 1,615,000 | $ 146,000 | $ 104,000 |
| Keweenaw County Michigan | 11 | $ 1,075,000 | $ 97,000 | $ 93,000 |
| Ontonagon County Michigan | 10 | $ 850,000 | $ 85,000 | $ 52,000 |
| Florence County Wisconsin | 9 | $ 1,175,000 | $ 130,000 | $ 65,000 |
| Marinette County Wisconsin | 9 | $ 1,215,000 | $ 135,000 | $ 62,000 |
| Iron County Michigan | 8 | $ 1,110,000 | $ 138,000 | $ 57,000 |
| Oakland County Michigan | 8 | $ 1,730,000 | $ 216,000 | $ 108,000 |
| Shawano County Wisconsin | 7 | $ 615,000 | $ 87,000 | $ 54,000 |
| Brown County Wisconsin | 6 | $ 970,000 | $ 161,000 | $ 96,000 |
| Langlade County Wisconsin | 6 | $ 580,000 | $ 96,000 | $ 52,000 |
| Wood County Wisconsin | 6 | $ 560,000 | $ 93,000 | $ 46,000 |
| Delta County Michigan | 5 | $ 625,000 | $ 125,000 | $ 72,000 |
| Milwaukee County Wisconsin | 5 | $ 1,575,000 | $ 315,000 | $ 125,000 |
| Mackinac County Michigan | 4 | $ 410,000 | $ 102,000 | $ 71,000 |
| Price County Wisconsin | 4 | $ 580,000 | $ 145,000 | $ 132,000 |
| Kent County Michigan | 3 | $ 625,000 | $ 208,000 | $ 103,000 |
| Ashland County Wisconsin | 3 | $ 1,215,000 | $ 405,000 | $ 41,000 |
| Columbia County Wisconsin | 3 | $ 865,000 | $ 288,000 | $ 106,000 |
| Manitowoc County Wisconsin | 3 | $ 295,000 | $ 98,000 | $ 84,000 |
| Ozaukee County Wisconsin | 3 | $ 595,000 | $ 198,000 | $ 87,000 |
| Rock County Wisconsin | 3 | $ 475,000 | $ 158,000 | $ 105,000 |
| Washington County Wisconsin | 3 | $ 765,000 | $ 255,000 | $ 76,000 |
| Winnebago County Wisconsin | 3 | $ 415,000 | $ 138,000 | $ 118,000 |
| Pinal County Arizona | 2 | $ 280,000 | $ 140,000 | $ 286,000 |
| Lee County Florida | 2 | $ 450,000 | $ 225,000 | $ 190,000 |
| Polk County Florida | 2 | $ 500,000 | $ 250,000 | $ 184,000 |
| Cook County Illinois | 2 | $ 260,000 | $ 130,000 | $ 198,000 |
| Clinton County Michigan | 2 | $ 260,000 | $ 130,000 | $ 44,000 |
| Kalamazoo County Michigan | 2 | $ 340,000 | $ 170,000 | $ 145,000 |
| Luce County Michigan | 2 | $ 430,000 | $ 215,000 | $ 49,000 |
| Macomb County Michigan | 2 | $ 470,000 | $ 235,000 | $ 90,000 |
| Muskegon County Michigan | 2 | $ 420,000 | $ 210,000 | $ 87,000 |
| Bayfield County Wisconsin | 2 | $ 120,000 | $ 60,000 | $ 77,000 |
| La Crosse County Wisconsin | 2 | $ 380,000 | $ 190,000 | $ 72,000 |
| Marquette County Wisconsin | 2 | $ 540,000 | $ 270,000 | $ 90,000 |
| Sauk County Wisconsin | 2 | $ 450,000 | $ 225,000 | $ 272,000 |
| Waukesha County Wisconsin | 2 | $ 490,000 | $ 245,000 | $ 98,000 |
| Hendry County Florida | 1 | $ 455,000 | $ 455,000 | $ 475,000 |
| Martin County Florida | 1 | $ 405,000 | $ 405,000 | $ 264,000 |
| Monroe County Florida | 1 | $ 825,000 | $ 825,000 | $ 1,122,000 |
| St. Lucie County Florida | 1 | $ 205,000 | $ 205,000 | $ 336,000 |
| Volusia County Florida | 1 | $ 75,000 | $ 75,000 | $ 33,000 |
| Hamilton County Indiana | 1 | $ 425,000 | $ 425,000 | $ 120,000 |
| St. Joseph County Indiana | 1 | $ 285,000 | $ 285,000 | $ 406,000 |
| Alcona County Michigan | 1 | $ 105,000 | $ 105,000 | $ 12,000 |
| Allegan County Michigan | 1 | $ 135,000 | $ 135,000 | $ 49,000 |
| Calhoun County Michigan | 1 | $ 245,000 | $ 245,000 | $ 160,000 |
| Chippewa County Michigan | 1 | $ 205,000 | $ 205,000 | $ 165,000 |
| Emmet County Michigan | 1 | $ 135,000 | $ 135,000 | $ 55,000 |
| Genesee County Michigan | 1 | $ 65,000 | $ 65,000 | $ 46,000 |
| Ingham County Michigan | 1 | $ 95,000 | $ 95,000 | $ 72,000 |
| Monroe County Michigan | 1 | $ 165,000 | $ 165,000 | $ 90,000 |
| Ogemaw County Michigan | 1 | $ 65,000 | $ 65,000 | $ 50,000 |
| Ottawa County Michigan | 1 | $ 305,000 | $ 305,000 | $ 459,000 |
| Schoolcraft County Michigan | 1 | $ 215,000 | $ 215,000 | $ 0 |
| Wayne County Michigan | 1 | $ 195,000 | $ 195,000 | $ 104,000 |
| Douglas County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 69,000 |
| Grant County Minnesota | 1 | $ 125,000 | $ 125,000 | $ 75,000 |
| Hennepin County Minnesota | 1 | $ 375,000 | $ 375,000 | $ 120,000 |
| Mille Lacs County Minnesota | 1 | $ 275,000 | $ 275,000 | $ 201,000 |
| Ramsey County Minnesota | 1 | $ 75,000 | $ 75,000 | $ 159,000 |
| Washington County Minnesota | 1 | $ 275,000 | $ 275,000 | $ 85,000 |
| Mecklenburg County North Carolina | 1 | $ 235,000 | $ 235,000 | $ 103,000 |
| Jackson County Oregon | 1 | $ 855,000 | $ 855,000 | $ 2,496,000 |
| Hardin County Tennessee | 1 | $ 75,000 | $ 75,000 | $ 51,000 |
| Sullivan County Tennessee | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Adams County Wisconsin | 1 | $ 305,000 | $ 305,000 | $ 200,000 |
| Barron County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 47,000 |
| Chippewa County Wisconsin | 1 | $ 65,000 | $ 65,000 | $ 181,000 |
| Clark County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 89,000 |
| Dodge County Wisconsin | 1 | $ 135,000 | $ 135,000 | $ 48,000 |
| Dunn County Wisconsin | 1 | $ 55,000 | $ 55,000 | $ 89,000 |
| Eau Claire County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 57,000 |
| Forest County Wisconsin | 1 | $ 465,000 | $ 465,000 | $ 217,000 |
| Juneau County Wisconsin | 1 | $ 325,000 | $ 325,000 | $ 135,000 |
| Kenosha County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 40,000 |
| Kewaunee County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 86,000 |
| Sawyer County Wisconsin | 1 | $ 475,000 | $ 475,000 | $ 234,000 |
| Sheboygan County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 101,000 |
| Waupaca County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 49,000 |
| Waushara County Wisconsin | 1 | $ 35,000 | $ 35,000 | $ 48,000 |
Mortgage Loan Application Detail Totals for Incrediblebank in 2019
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 Purchase | 724 | $128,820,000 | $177,000 | $2,595,000 | $100,000 | $2,496,000 |
| Refinancing | 394 | $77,240,000 | $196,000 | $1,115,000 | $105,000 | $971,000 |
| Cash-out Refinancing | 276 | $47,340,000 | $171,000 | $485,000 | $102,000 | $786,000 |
| Other Purpose | 35 | $4,425,000 | $126,000 | $455,000 | $107,000 | $434,000 |
| Home Improvement | 16 | $1,520,000 | $95,000 | $385,000 | $71,000 | $199,000 |
| 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 | 1,248 | $219,870,000 | $176,000 | $1,545,000 | $99,000 | $2,496,000 |
| Not Provided | 107 | $20,205,000 | $188,000 | $585,000 | $131,000 | $971,000 |
| Not applicable | 45 | $11,635,000 | $258,000 | $2,595,000 | $0 | $0 |
| American Indian or Alaskan Native | 15 | $2,155,000 | $143,000 | $395,000 | $74,000 | $170,000 |
| Asian | 14 | $3,140,000 | $224,000 | $485,000 | $128,000 | $263,000 |
| Hispanic | 7 | $995,000 | $142,000 | $355,000 | $103,000 | $225,000 |
| Black or African American | 6 | $900,000 | $150,000 | $315,000 | $94,000 | $198,000 |
| Native Hawaiian or Other Pacific Islander | 1 | $65,000 | $65,000 | $65,000 | $30,000 | $30,000 |
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) | 1,324 | $244,320,000 | $184,000 | $2,595,000 | $107,000 | $2,496,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 84 | $8,950,000 | $106,000 | $255,000 | $45,000 | $78,000 |
| FHA-insured (Federal Housing Administration) | 20 | $3,120,000 | $156,000 | $315,000 | $67,000 | $139,000 |
| VA-guaranteed (Veterans Administration) | 17 | $2,955,000 | $173,000 | $485,000 | $63,000 | $131,000 |
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 | 937 | $168,155,000 | $179,000 | $2,595,000 | $107,000 | $2,496,000 |
| Application Withdrawn By Applicant | 209 | $41,175,000 | $197,000 | $1,545,000 | $109,000 | $1,250,000 |
| Application Denied By Financial Institution | 160 | $24,010,000 | $150,000 | $735,000 | $71,000 | $554,000 |
| File Closed For Incompleteness | 65 | $12,405,000 | $190,000 | $555,000 | $102,000 | $459,000 |
| Application Approved But Not Accepted | 36 | $6,240,000 | $173,000 | $445,000 | $93,000 | $422,000 |
| Preapproval Approved but not Accepted | 28 | $5,530,000 | $197,000 | $485,000 | $100,000 | $349,000 |
| Preapproval Denied by Financial Institution | 9 | $1,695,000 | $188,000 | $645,000 | $24,000 | $76,000 |
| Loan Purchased By The Institution | 1 | $135,000 | $135,000 | $135,000 | $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 | 1,276 | $233,640,000 | $183,000 | $2,595,000 | $106,000 | $2,496,000 |
| Credit History | 71 | $8,595,000 | $121,000 | $485,000 | $68,000 | $554,000 |
| Debt-To-Income Ratio | 57 | $11,735,000 | $205,000 | $735,000 | $60,000 | $264,000 |
| Collateral | 26 | $3,610,000 | $138,000 | $455,000 | $85,000 | $285,000 |
| Other | 8 | $920,000 | $115,000 | $175,000 | $70,000 | $143,000 |
| Unverifiable Information | 3 | $415,000 | $138,000 | $185,000 | $56,000 | $72,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 3 | $305,000 | $101,000 | $245,000 | $131,000 | $131,000 |
| Employment History | 1 | $125,000 | $125,000 | $125,000 | $49,000 | $49,000 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Incrediblebank's 2019 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 Incrediblebank'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 Wisconsin, download the full spreadsheet
with aggregated HMDA statistics today.