Wintrust Mortgage Reviews

Wintrust Mortgage is a loan originator and servicer that was established in Denver, Colorado, in 1979 but is now based in Rosemont, Illinois. It’s owned by Barrington Bank & Trust Company, which also offers personal and business banking and wealth management services.

The company has 65 physical lending offices across the country and over 175 branch locations mostly in the Midwest, allowing borrowers to complete the mortgage process online or in person.

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To apply for a loan, select the “Get Started” option on the company’s website, where you can start your online application with WintrustZoom, a digital mortgage application tool.

Once you’ve established an account, you can enter your personal, financial and employment information and then upload any required documents.

After your application is completed, you can log back in to your account at any time to check on the status. You can also apply by calling the company directly at 847-939-5000 or at 800-999-2649 to speak with a loan originator.

Wintrust Mortgage application features

» FIND OUT: How to qualify for a mortgage

Wintrust Mortgage doesn’t publish its rates online. To get the most up-to-date mortgage rates, contact the company directly.

The company offers a free rate lock for at least 15 days, which helps protect you from market-rate changes while your loan is processed.

Wintrust Mortgage offers an assortment of home loan products.

• Conventional loans: These can be fixed-rate loans with terms from 10 to 30 years, keeping the same rate for the life of the loan. They can also be adjustable-rate mortgages (ARMs) with an initial rate for one to 10 years that adjusts every six months to a year after that.
• Construction-to-perm loans: Also known as all-in-one loans, construction-to-perm loans are ARM loans that allow interest-only payments until the project is complete, with options to finance up to $5 million for construction costs.
• Home Equity Lines of Credit (HELOCs): These are lines of credit that use your home as collateral. You only pay back what you take out.
• Investment loans: These are special loans for vacation or investment properties. 
• Jumbo loans: These are loans that exceed the conventional loan limit, which is $806,500 for most areas in 2025.

The company also offers several government-backed loans, including:

• VA loans: No down payment required and lenient borrower requirements
• U.S. Department of Agriculture (USDA) loans: For borrowers in rural communities, with low down payment options and no traditional mortgage insurance
• Federal Housing Administration (FHA) loans: Offers low down payment options and accepts borrowers with credit scores as low as 500
• FHA 203(k) Limited and Standard loans: Can include added renovation costs between $5,000 and $35,000

Wintrust Mortgage accepts credit scores as low as 600 for conventional loans, but requirements can also vary based on the loan and the borrower. When you apply, the company requests scores from the three major credit bureaus and uses the middle score to determine eligibility.

Other factors that can affect eligibility include:

• Type of loan
• Loan-to-value ratio (LTV)
• Debt-to-income ratio
• Amount of down payment
• Employment history

Wintrust Mortgage also offers two down payment assistance programs to qualifying buyers in Illinois and Wisconsin.

Wintrust Mortgage charges a standard administration fee of $1,415. All other fees are third-party and depend on factors like the type of loan, the LTV ratio and the down payment amount.