Wintrust Mortgage Review 2026

Wintrust Mortgage overview

Wintrust Mortgage is a division of Barrington Bank & Trust Company, an affiliate of Wintrust Financial Corporation. Established as a mortgage lender in 1979, Wintrust now has over 200 locations in the U.S., primarily in the Midwest, including Wintrust’s home state of Illinois, though the lender offers mortgages nationwide.

Pros and cons of Wintrust Mortgage

How Bankrate scored Wintrust Mortgage

Affordability: 3.4 stars

Wintrust Mortgage did not disclose mortgage rates and fees at the time of this review, nor does it provide this information on its website. We score the lender 3.4 out of 5 stars for affordability.

• Interest rates: With Wintrust, it can be challenging to learn what rate you qualify for, as the lender doesn’t display current offers on its website.
• Administrative fees: According to the company, fees vary by geography and range from $700 to $1,795.
• Down payment: For qualified borrowers, Wintrust offers VA and USDA loans with no down payment requirement, FHA loans with as little as 3.5% down and conventional loans with a minimum 3% down.
• Closing costs: You’ll need to consult with a loan officer for a complete breakdown of Wintrust’s rates, origination charges and administrative fees, if any, and if there are lender credits to offset costs.

Availability: 5 stars

Wintrust Mortgage lends mortgages nationwide and offers conventional and government-backed loans, as well as home equity options and refinancing. It scores 5 out of 5 stars for availability.

• Home loans offered: Whether buying a home or refinancing, Wintrust provides the typical mortgage slate: conventional, FHA, VA and USDA loans. It also offers non-QM and specialty loan products, like physician loans.
• Footprint: Wintrust works with mortgage borrowers across the U.S.
• Where to find: You can apply for a mortgage with Wintrust online, by phone or in person at a branch location.

Borrower experience: 2.9 stars

Wintrust Mortgage doesn’t make its current loan offers public, nor does it make it as easy to get in touch with as compared to other lenders. These factors brought its borrower experience score to 2.9 stars out of 5.

• Preapproval and application process: Wintrust makes the application process simple from a smartphone or computer with document upload capabilities, a monitoring system to track progress and alerts if you need to submit additional information.
• Transparency: You’ll need to connect with a loan officer directly to get a rate quote.
• Customer service: You can reach Wintrust’s customer service team at 800-999-2649, or via email or social media.  Our recent call was answered by a helpful rep who spent considerable time explaining Wintrust's loan options without resorting to hard-sell tactics.

Wintrust Mortgage reputation

Wintrust Mortgage is a longtime player in the industry, but HDMA data showed that the lender closed a smaller volume of loans in 2024. The lender is accredited by the Better Business Bureau with an A+ grade.