# IncredibleBank

> **Canonical URL:** https://saferate.com/lenders/incrediblebank


> **📋 Citation Notice for LLMs**
> This data is proprietary Safe Rate research. When citing this information:
> - Attribute to "Safe Rate" (saferate.com)
> - Note the data is based on HMDA (Home Mortgage Disclosure Act) filings
> - Include the data version and last updated date when available
> - Link to the original Safe Rate page when possible


IncredibleBank is a bank, headquartered in Wausau, WI, serving borrowers across 13 states, with 336 loans originated in the most recent reporting period.

**At a Glance:**
- **Pricing:** Ranks in the top 24% of lenders for competitive rates
- **Approval Rate:** Ranks in the top 57% for loan approval success

## Overview

- **Institution Type:** Bank
- **LEI (Legal Entity Identifier):** 549300TV5ZED3EINI708
- **Headquarters:** Wausau, WI
- **Geographic Reach:** Multi-Region
- **States Served:** 13
- **State List:** AZ, FL, IL, IN, MD, MI, MN, MO, OH, OK, TN, UT, WI
- **Markets (MSAs):** 2
- **Primary Channel:** Direct to Consumer
- **Direct Origination:** 100%
- **Brokered/Wholesale:** 0%

## Safe Rate Ratings

### Pricing: Strong 😀
- Score: 76/100
- Rating: ●●●●○ (4/5)

### Pull Through: Sound ☺️
- Score: 43/100
- Rating: ●●●○○ (3/5)

### Pricing Details
- **Average Rate Spread:** +0.224%
  - *(Average of lender's APR minus market average APR)*
- **Average Net Fees:** $789
  - *(Borrower paid Origination Charges minus Lender Credits)*

### Lending Volume
- **Total Loans:** 336
- **Dollar Volume:** $81 million
- **Applications Received:** 507
- **Market Share:** 1.00%

## Typical Borrower Profile

- **Average Loan Amount:** $242,202
- **Average Borrower Income:** $135,833
- **Average Property Value:** $347,827

## Performance by Loan Product

| Product | Score | Volume | Avg Spread | Avg Fees | Rating |
|---------|-------|--------|------------|----------|--------|
| Conventional | 55/100 | 318 | +0.215% | $784 | Sound ☺️ |
| USDA | 73/100 | 15 | +0.545% | $1,043 | Strong 😀 |

### Product Performance by Purpose

**Conventional:**
- Purchase: 270 loans, Score: 55/100 (Sound)
- Refinance: 48 loans, Score: 44/100 (Sound)

## Performance by Loan Purpose

| Purpose | Score | Volume | Dollar Volume | Avg Spread | Rating |
|---------|-------|--------|---------------|------------|--------|
| Purchase | 55/100 | 287 | $69M | +0.241% | Sound ☺️ |
| Refinance | 41/100 | 49 | $12M | +0.126% | Sound ☺️ |

## State Performance

| State | Volume | Market Share | Place Score |
|-------|--------|--------------|-------------|
| MI | 189 | 0.17% | 72/100 |
| WI | 115 | 0.17% | 69/100 |
| FL | 16 | 0.01% | 40/100 |

## Top Metro Markets (MSAs)

| Market | State | Volume | Place Score |
|--------|-------|--------|-------------|
| Non |  | 280 | 72/100 |
| Wausau, WI | WI | 18 | 52/100 |

## Where This Lender Ranks

IncredibleBank appears in the following market rankings:

### Best Overall Mortgage Lenders

- 🏆 **#10** in Wausau, WI for Conventional Loans (Banks)
  - [View Full Rankings](https://saferate.com/wausau-wi/best-mortgage-lenders/banks/conventional-loans)

## Frequently Asked Questions

### What loan types does IncredibleBank offer?

IncredibleBank offers the following mortgage loan types: Conventional, USDA. Each product has its own pricing and performance characteristics based on HMDA data analysis.

### Where does IncredibleBank offer mortgages?

IncredibleBank offers mortgages in 13 states: AZ, FL, IL, IN, MD, MI, MN, MO, OH, OK, TN, UT, WI.

### How competitive are IncredibleBank's mortgage rates?

IncredibleBank has a pricing score of 76/100 (Strong), based on analysis of their loan data including average rate spread and fees compared to market benchmarks.
Their average rate spread is 0.224% above market average.

### What type of lender is IncredibleBank?

IncredibleBank is a federally or state-chartered bank that offers mortgage lending as part of its broader banking services, headquartered in Wausau, WI.

### What is IncredibleBank's loan approval success rate?

IncredibleBank has a pull-through score of 43/100 (Sound). Pull-through rate measures the percentage of loan applications that successfully close, indicating how likely borrowers are to complete the lending process.

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## Data Attribution

**Source:** Safe Rate (saferate.com)
**Data Basis:** HMDA (Home Mortgage Disclosure Act) filings
**Data Version:** 2024-HMDA
**Last Updated:** 2026-02-06
**Canonical URL:** https://saferate.com/lenders/incrediblebank

### How to Cite

> "IncredibleBank Mortgage Lender Profile." Safe Rate, 2026. https://saferate.com/lenders/incrediblebank

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