Incrediblebank
HMDA Loan Application Totals
and Mortgage Lending Details
for 2020
Incrediblebank 2020 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 | 2,666 |
| Total Mortgage Loan Application Amount | $495,470,000 |
| Average Mortgage Loan Application Amount | $166,000 |
| Highest Mortgage Loan Application Amount | $2,245,000 |
| Average Applicant Income | $110,000 |
| Highest Applicant Income | $3,681,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2020 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 2020 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 2020.
| 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 | 639 | $ 116,345,000 | $ 182,000 | $ 105,000 |
| Marathon County Wisconsin | 550 | $ 99,170,000 | $ 180,000 | $ 121,000 |
| Lincoln County Wisconsin | 214 | $ 31,850,000 | $ 148,000 | $ 88,000 |
| Oneida County Wisconsin | 189 | $ 37,865,000 | $ 200,000 | $ 118,000 |
| Vilas County Wisconsin | 186 | $ 40,690,000 | $ 218,000 | $ 135,000 |
| Houghton County Michigan | 138 | $ 17,200,000 | $ 124,000 | $ 91,000 |
| Dane County Wisconsin | 112 | $ 30,030,000 | $ 268,000 | $ 138,000 |
| Dickinson County Michigan | 82 | $ 11,050,000 | $ 134,000 | $ 92,000 |
| Gogebic County Michigan | 62 | $ 6,310,000 | $ 101,000 | $ 85,000 |
| Keweenaw County Michigan | 21 | $ 3,545,000 | $ 168,000 | $ 145,000 |
| Iron County Wisconsin | 20 | $ 3,740,000 | $ 187,000 | $ 93,000 |
| Sheboygan County Wisconsin | 18 | $ 2,950,000 | $ 163,000 | $ 100,000 |
| Portage County Wisconsin | 17 | $ 2,875,000 | $ 169,000 | $ 100,000 |
| Florence County Wisconsin | 16 | $ 2,520,000 | $ 157,000 | $ 82,000 |
| Milwaukee County Wisconsin | 16 | $ 3,270,000 | $ 204,000 | $ 100,000 |
| Iron County Michigan | 14 | $ 1,420,000 | $ 101,000 | $ 58,000 |
| Alger County Michigan | 13 | $ 2,465,000 | $ 189,000 | $ 124,000 |
| Ontonagon County Michigan | 12 | $ 1,670,000 | $ 139,000 | $ 70,000 |
| Price County Wisconsin | 12 | $ 2,340,000 | $ 195,000 | $ 95,000 |
| Baraga County Michigan | 11 | $ 1,605,000 | $ 145,000 | $ 125,000 |
| Marinette County Wisconsin | 10 | $ 1,360,000 | $ 136,000 | $ 120,000 |
| Outagamie County Wisconsin | 10 | $ 1,390,000 | $ 139,000 | $ 80,000 |
| Shawano County Wisconsin | 9 | $ 925,000 | $ 102,000 | $ 67,000 |
| Delta County Michigan | 8 | $ 1,300,000 | $ 162,000 | $ 69,000 |
| Langlade County Wisconsin | 8 | $ 1,280,000 | $ 160,000 | $ 74,000 |
| Wood County Wisconsin | 8 | $ 1,130,000 | $ 141,000 | $ 98,000 |
| Lee County Florida | 7 | $ 2,155,000 | $ 307,000 | $ 133,000 |
| Brown County Wisconsin | 7 | $ 1,395,000 | $ 199,000 | $ 83,000 |
| Waukesha County Wisconsin | 7 | $ 2,415,000 | $ 345,000 | $ 294,000 |
| Maricopa County Arizona | 6 | $ 2,700,000 | $ 450,000 | $ 155,000 |
| Adams County Wisconsin | 6 | $ 2,090,000 | $ 348,000 | $ 248,000 |
| Winnebago County Wisconsin | 6 | $ 970,000 | $ 161,000 | $ 139,000 |
| Cook County Illinois | 5 | $ 1,175,000 | $ 235,000 | $ 213,000 |
| Hennepin County Minnesota | 5 | $ 1,835,000 | $ 367,000 | $ 205,000 |
| Waushara County Wisconsin | 5 | $ 665,000 | $ 133,000 | $ 87,000 |
| Lake County Illinois | 4 | $ 1,280,000 | $ 320,000 | $ 360,000 |
| Columbia County Wisconsin | 4 | $ 760,000 | $ 190,000 | $ 68,000 |
| Door County Wisconsin | 4 | $ 890,000 | $ 222,000 | $ 185,000 |
| Green County Wisconsin | 4 | $ 800,000 | $ 200,000 | $ 95,000 |
| Manitowoc County Wisconsin | 4 | $ 760,000 | $ 190,000 | $ 109,000 |
| Ozaukee County Wisconsin | 4 | $ 630,000 | $ 157,000 | $ 102,000 |
| St. Croix County Wisconsin | 4 | $ 780,000 | $ 195,000 | $ 63,000 |
| Washington County Wisconsin | 4 | $ 850,000 | $ 212,000 | $ 76,000 |
| Collier County Florida | 3 | $ 1,815,000 | $ 605,000 | $ 615,000 |
| Orange County Florida | 3 | $ 725,000 | $ 241,000 | $ 183,000 |
| DuPage County Illinois | 3 | $ 815,000 | $ 271,000 | $ 285,000 |
| Macomb County Michigan | 3 | $ 515,000 | $ 171,000 | $ 96,000 |
| Schoolcraft County Michigan | 3 | $ 305,000 | $ 101,000 | $ 113,000 |
| Bayfield County Wisconsin | 3 | $ 485,000 | $ 161,000 | $ 116,000 |
| Calumet County Wisconsin | 3 | $ 415,000 | $ 138,000 | $ 80,000 |
| Eau Claire County Wisconsin | 3 | $ 485,000 | $ 161,000 | $ 94,000 |
| Forest County Wisconsin | 3 | $ 855,000 | $ 285,000 | $ 114,000 |
| Jefferson County Wisconsin | 3 | $ 505,000 | $ 168,000 | $ 69,000 |
| Sauk County Wisconsin | 3 | $ 595,000 | $ 198,000 | $ 82,000 |
| Pima County Arizona | 2 | $ 520,000 | $ 260,000 | $ 179,000 |
| Hendry County Florida | 2 | $ 1,110,000 | $ 555,000 | $ 316,000 |
| Pinellas County Florida | 2 | $ 720,000 | $ 360,000 | $ 217,000 |
| Black Hawk County Iowa | 2 | $ 470,000 | $ 235,000 | $ 129,000 |
| Menominee County Michigan | 2 | $ 440,000 | $ 220,000 | $ 90,000 |
| Oakland County Michigan | 2 | $ 470,000 | $ 235,000 | $ 109,000 |
| Ottawa County Michigan | 2 | $ 410,000 | $ 205,000 | $ 131,000 |
| Cook County Minnesota | 2 | $ 250,000 | $ 125,000 | $ 83,000 |
| Douglas County Minnesota | 2 | $ 270,000 | $ 135,000 | $ 77,000 |
| Grant County Minnesota | 2 | $ 240,000 | $ 120,000 | $ 65,000 |
| New Hanover County North Carolina | 2 | $ 710,000 | $ 355,000 | $ 186,000 |
| Williamson County Texas | 2 | $ 1,020,000 | $ 510,000 | $ 82,000 |
| Juneau County Wisconsin | 2 | $ 170,000 | $ 85,000 | $ 57,000 |
| Oconto County Wisconsin | 2 | $ 440,000 | $ 220,000 | $ 391,000 |
| Racine County Wisconsin | 2 | $ 670,000 | $ 335,000 | $ 108,000 |
| Rock County Wisconsin | 2 | $ 250,000 | $ 125,000 | $ 46,000 |
| Sawyer County Wisconsin | 2 | $ 700,000 | $ 350,000 | $ 334,000 |
| Shelby County Alabama | 1 | $ 155,000 | $ 155,000 | $ 90,000 |
| Mohave County Arizona | 1 | $ 115,000 | $ 115,000 | $ 88,000 |
| Pinal County Arizona | 1 | $ 165,000 | $ 165,000 | $ 171,000 |
| Boulder County Colorado | 1 | $ 315,000 | $ 315,000 | $ 86,000 |
| Chaffee County Colorado | 1 | $ 365,000 | $ 365,000 | $ 202,000 |
| Jefferson County Colorado | 1 | $ 355,000 | $ 355,000 | $ 239,000 |
| Brevard County Florida | 1 | $ 115,000 | $ 115,000 | $ 99,000 |
| Hillsborough County Florida | 1 | $ 205,000 | $ 205,000 | $ 300,000 |
| Manatee County Florida | 1 | $ 225,000 | $ 225,000 | $ 0 |
| Marion County Florida | 1 | $ 165,000 | $ 165,000 | $ 200,000 |
| Martin County Florida | 1 | $ 315,000 | $ 315,000 | $ 282,000 |
| Monroe County Florida | 1 | $ 515,000 | $ 515,000 | $ 160,000 |
| Polk County Florida | 1 | $ 215,000 | $ 215,000 | $ 54,000 |
| Sarasota County Florida | 1 | $ 205,000 | $ 205,000 | $ 342,000 |
| Fulton County Georgia | 1 | $ 125,000 | $ 125,000 | $ 200,000 |
| Kane County Illinois | 1 | $ 225,000 | $ 225,000 | $ 113,000 |
| Madison County Illinois | 1 | $ 55,000 | $ 55,000 | $ 89,000 |
| Boone County Indiana | 1 | $ 705,000 | $ 705,000 | $ 540,000 |
| Cerro Gordo County Iowa | 1 | $ 265,000 | $ 265,000 | $ 99,000 |
| Polk County Iowa | 1 | $ 185,000 | $ 185,000 | $ 191,000 |
| Warren County Iowa | 1 | $ 305,000 | $ 305,000 | $ 110,000 |
| Wyandotte County Kansas | 1 | $ 85,000 | $ 85,000 | $ 72,000 |
| Montgomery County Maryland | 1 | $ 365,000 | $ 365,000 | $ 0 |
| Allegan County Michigan | 1 | $ 135,000 | $ 135,000 | $ 52,000 |
| Barry County Michigan | 1 | $ 265,000 | $ 265,000 | $ 107,000 |
| Chippewa County Michigan | 1 | $ 205,000 | $ 205,000 | $ 171,000 |
| Grand Traverse County Michigan | 1 | $ 205,000 | $ 205,000 | $ 103,000 |
| Ionia County Michigan | 1 | $ 255,000 | $ 255,000 | $ 126,000 |
| Iosco County Michigan | 1 | $ 65,000 | $ 65,000 | $ 130,000 |
| Kalamazoo County Michigan | 1 | $ 285,000 | $ 285,000 | $ 80,000 |
| Kent County Michigan | 1 | $ 245,000 | $ 245,000 | $ 128,000 |
| Lapeer County Michigan | 1 | $ 345,000 | $ 345,000 | $ 118,000 |
| Leelanau County Michigan | 1 | $ 145,000 | $ 145,000 | $ 62,000 |
| Luce County Michigan | 1 | $ 85,000 | $ 85,000 | $ 77,000 |
| Mackinac County Michigan | 1 | $ 95,000 | $ 95,000 | $ 62,000 |
| Monroe County Michigan | 1 | $ 145,000 | $ 145,000 | $ 60,000 |
| Muskegon County Michigan | 1 | $ 125,000 | $ 125,000 | $ 57,000 |
| Osceola County Michigan | 1 | $ 185,000 | $ 185,000 | $ 89,000 |
| Presque Isle County Michigan | 1 | $ 75,000 | $ 75,000 | $ 92,000 |
| Washtenaw County Michigan | 1 | $ 215,000 | $ 215,000 | $ 92,000 |
| Carlton County Minnesota | 1 | $ 175,000 | $ 175,000 | $ 94,000 |
| Mahnomen County Minnesota | 1 | $ 85,000 | $ 85,000 | $ 61,000 |
| Mille Lacs County Minnesota | 1 | $ 275,000 | $ 275,000 | $ 185,000 |
| St. Louis County Minnesota | 1 | $ 145,000 | $ 145,000 | $ 71,000 |
| Camden County Missouri | 1 | $ 845,000 | $ 845,000 | $ 0 |
| Clark County Nevada | 1 | $ 175,000 | $ 175,000 | $ 53,000 |
| Broome County New York | 1 | $ 315,000 | $ 315,000 | $ 149,000 |
| Forsyth County North Carolina | 1 | $ 185,000 | $ 185,000 | $ 94,000 |
| Mecklenburg County North Carolina | 1 | $ 725,000 | $ 725,000 | $ 0 |
| Union County North Carolina | 1 | $ 175,000 | $ 175,000 | $ 0 |
| Wake County North Carolina | 1 | $ 305,000 | $ 305,000 | $ 69,000 |
| Ward County North Dakota | 1 | $ 55,000 | $ 55,000 | $ 40,000 |
| Multnomah County Oregon | 1 | $ 345,000 | $ 345,000 | $ 67,000 |
| Charles Mix County South Dakota | 1 | $ 475,000 | $ 475,000 | $ 261,000 |
| Lincoln County Tennessee | 1 | $ 95,000 | $ 95,000 | $ 65,000 |
| Monroe County Tennessee | 1 | $ 515,000 | $ 515,000 | $ 57,000 |
| Hartley County Texas | 1 | $ 485,000 | $ 485,000 | $ 200,000 |
| Utah County Utah | 1 | $ 2,105,000 | $ 2,105,000 | $ 0 |
| Raleigh County West Virginia | 1 | $ 55,000 | $ 55,000 | $ 236,000 |
| Ashland County Wisconsin | 1 | $ 305,000 | $ 305,000 | $ 233,000 |
| Chippewa County Wisconsin | 1 | $ 155,000 | $ 155,000 | $ 84,000 |
| Kenosha County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 43,000 |
| La Crosse County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 39,000 |
| Pierce County Wisconsin | 1 | $ 205,000 | $ 205,000 | $ 81,000 |
| Taylor County Wisconsin | 1 | $ 105,000 | $ 105,000 | $ 64,000 |
| Vernon County Wisconsin | 1 | $ 655,000 | $ 655,000 | $ 1,009,000 |
| Walworth County Wisconsin | 1 | $ 305,000 | $ 305,000 | $ 97,000 |
| Washburn County Wisconsin | 1 | $ 515,000 | $ 515,000 | $ 454,000 |
| Waupaca County Wisconsin | 1 | $ 195,000 | $ 195,000 | $ 0 |
Mortgage Loan Application Detail Totals for Incrediblebank in 2020
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 |
|---|---|---|---|---|---|---|
| Refinancing | 1,303 | $236,135,000 | $181,000 | $2,245,000 | $110,000 | $1,039,000 |
| Home Purchase | 687 | $138,495,000 | $201,000 | $2,105,000 | $113,000 | $1,320,000 |
| Cash-out Refinancing | 596 | $109,250,000 | $183,000 | $725,000 | $119,000 | $3,681,000 |
| Other Purpose | 56 | $9,140,000 | $163,000 | $515,000 | $128,000 | $1,274,000 |
| Home Improvement | 24 | $2,450,000 | $102,000 | $505,000 | $80,000 | $226,000 |
| 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 | 2,256 | $406,320,000 | $180,000 | $785,000 | $111,000 | $3,681,000 |
| Not Provided | 279 | $57,005,000 | $204,000 | $805,000 | $135,000 | $1,009,000 |
| Not applicable | 45 | $15,315,000 | $340,000 | $2,245,000 | $0 | $0 |
| Asian | 31 | $7,395,000 | $238,000 | $515,000 | $111,000 | $244,000 |
| Hispanic | 26 | $4,360,000 | $167,000 | $515,000 | $80,000 | $430,000 |
| American Indian or Alaskan Native | 22 | $4,010,000 | $182,000 | $385,000 | $94,000 | $272,000 |
| Black or African American | 3 | $505,000 | $168,000 | $215,000 | $87,000 | $100,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
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) | 2,593 | $484,375,000 | $186,000 | $2,245,000 | $114,000 | $3,681,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 54 | $7,270,000 | $134,000 | $375,000 | $52,000 | $122,000 |
| FHA-insured (Federal Housing Administration) | 11 | $1,815,000 | $165,000 | $315,000 | $62,000 | $137,000 |
| VA-guaranteed (Veterans Administration) | 8 | $2,010,000 | $251,000 | $475,000 | $174,000 | $790,000 |
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 | 1,976 | $369,390,000 | $186,000 | $2,105,000 | $116,000 | $3,681,000 |
| Application Withdrawn By Applicant | 286 | $53,020,000 | $185,000 | $935,000 | $121,000 | $1,274,000 |
| Application Denied By Financial Institution | 206 | $35,030,000 | $170,000 | $2,245,000 | $72,000 | $504,000 |
| File Closed For Incompleteness | 97 | $17,345,000 | $178,000 | $515,000 | $121,000 | $1,320,000 |
| Application Approved But Not Accepted | 49 | $8,685,000 | $177,000 | $605,000 | $111,000 | $703,000 |
| Preapproval Approved but not Accepted | 45 | $10,575,000 | $235,000 | $805,000 | $107,000 | $460,000 |
| Preapproval Denied by Financial Institution | 4 | $990,000 | $247,000 | $395,000 | $67,000 | $101,000 |
| Loan Purchased By The Institution | 3 | $435,000 | $145,000 | $285,000 | $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 | 2,456 | $459,450,000 | $187,000 | $2,105,000 | $117,000 | $3,681,000 |
| Credit History | 87 | $12,875,000 | $147,000 | $2,245,000 | $73,000 | $290,000 |
| Debt-To-Income Ratio | 75 | $15,055,000 | $200,000 | $515,000 | $49,000 | $120,000 |
| Collateral | 27 | $4,375,000 | $162,000 | $515,000 | $131,000 | $504,000 |
| Other | 13 | $2,455,000 | $188,000 | $485,000 | $88,000 | $200,000 |
| Unverifiable Information | 5 | $985,000 | $197,000 | $515,000 | $22,000 | $79,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 2 | $160,000 | $80,000 | $135,000 | $43,000 | $43,000 |
| Employment History | 1 | $115,000 | $115,000 | $115,000 | $48,000 | $48,000 |
| 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 2020 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.