IncredibleBank in Wisconsin vs the state
8.2%Denial rate-5.80 pts vs state
10.3%Decision denial rate-6.09 pts vs state
67.8%Origination rate-0.37 pts vs state
6.75%Median rate+0.13 pts vs state
0.29Rate spread (pts)+0.17 pts vs state
$100kMedian applicant income
223Loans originated
27Denied
Trend in Wisconsin
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 293 | 188 | 15.0% | 6.88% | #103 |
| 2024 | 283 | 179 | 11.0% | 6.88% | #110 |
| 2025 | 329 | 223 | 8.2% | 6.75% | #107 |
What IncredibleBank lends in Wisconsin
By loan purpose
By loan type
Why it denied Wisconsin applicants
Where in Wisconsin
Counties with the most IncredibleBank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Marathon County | 92 | 61 | 6 | 6.5% |
| Oneida County | 56 | 34 | 7 | 12.5% |
| Lincoln County | 46 | 33 | 6 | 13.0% |
| Vilas County | 39 | 30 | 1 | 2.6% |
| Dane County | 16 | 9 | 3 | 18.8% |
| Iron County | 8 | 4 | 0 | 0.0% |
| Milwaukee County | 8 | 6 | 0 | 0.0% |
| Marinette County | 7 | 6 | 0 | 0.0% |
| Taylor County | 6 | 2 | 1 | 16.7% |
| Florence County | 5 | 3 | 0 | 0.0% |
Other large lenders in Wisconsin
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Summit Credit Union | A | 15,483 | 13.8% | 6.75% |
| University of Wisconsin Credit Union | A | 11,781 | 13.8% | 6.50% |
| Landmark Credit Union | A | 9,393 | 17.7% | 6.50% |
| Rocket Mortgage | C | 7,819 | 18.0% | 6.63% |
| Associated Bank | B | 7,451 | 23.7% | 6.88% |
| BMO Bank | F | 5,202 | 25.3% | 8.23% |
| Educators Credit Union | B | 4,930 | 24.3% | 6.95% |
| U.S. Bank | D | 4,710 | 26.0% | 6.88% |
| Covantage Credit Union | B | 4,581 | 7.7% | 6.50% |
| United Shore Financial Services | B | 4,421 | 11.8% | 6.38% |
Frequently asked questions
Wisconsin: 329 applications in 2025, of which 223 were originated and 27 denied.
8.2% of all applications, or 10.3% of the applications it actually decided on. The Wisconsin statewide average across all lenders was 14.0%.
The median rate on loans IncredibleBank originated in Wisconsin in 2025 was 6.75%, against a statewide median of 6.63%.
About this data. Figures are IncredibleBank's own HMDA filing for properties located in Wisconsin, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology