Wintrust Mortgage Reviews
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About Wintrust Mortgage
Wintrust Mortgage is a bank-owned mortgage originator and servicer that’s been in business for more than 45 years and lends to borrowers in all 50 states. Mortgage products include conventional loans, refinance loans, government-backed loans, HELOCs, jumbo loans and investment loans. The company offers a completely digital application process but also has dozens of physical branches, mostly located in the Midwest.
- Convenient digital application
- Government-backed loan options
- Down payment assistance (Illinois and Wisconsin only)
- Rates and fees not listed online
- Requires a hard credit pull
What is Wintrust Mortgage?
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 16 community bank charters across the country and over 200 branch locations mostly in the Midwest, allowing borrowers to complete the mortgage process online or in person.
» COMPARE: Best mortgage lenders
Wintrust Mortgage application process
To apply for a loan, select the “Get Started” option on the company’s website, where you can start your online application on its 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 800-999-2649 to speak with a loan originator.
Wintrust Mortgage application features
| Features | Availability |
|---|---|
| Online application | |
| Mobile document upload | |
| Physical branches | |
| Minimum rate published on website | |
| Rate lock | |
| Pre-qualification (no hard credit pull) | |
| Certified approval letter |
» FIND OUT: How to qualify for a mortgage
Wintrust Mortgage rates
Wintrust Mortgage doesn’t publish its rates online. To get the most up-to-date mortgage rates, contact the company directly.
Wintrust Mortgage loan types
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 $832,750 for most areas in 2026.
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 lower credit scores
- FHA 203(k) Limited and Standard loans: Can include added renovation costs between $5,000 and $35,000
Wintrust Mortgage requirements
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 cost and fees
Wintrust Mortgage does not include information about costs and fees on its site, but likely charges a standard administration fee. All other fees are third-party and depend on factors like the type of loan, the LTV ratio and the down payment amount. Before signing for a mortgage, make sure you read the fine print and understand all costs and fees you'll be required to pay.
FAQ
How does Wintrust Mortgage work?
Interested borrowers can get started with Wintrust Mortgage by creating an online account, then entering their personal information and supporting documents. From there, you’ll be put in touch with a loan officer who can guide you through the entire process.
Is Wintrust Mortgage legit?
Yes, Wintrust Mortgage is a legitimate company that’s been in business for over 45 years. It’s owned by Barrington Bank & Trust Company.
Where is Wintrust Mortgage available?
Wintrust Mortgage services are available in all 50 states. For those who would like to visit a branch in person, there are over 200, most of which are located in the Midwest.
Still have questions?
Wintrust Mortgage Reviews
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- 4,888,580 reviews on ConsumerAffairs are verified.
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Reviewed March 8, 2026
I am utterly appalled and deeply regret ever trusting Wintrust Mortgage with my business. In my nearly 40 years of dealing with banks and lenders, I have never encountered such consistent incompetence, negligence, and outright disregard for customers as I have with this outfit. It all began back in 2021 when they catastrophically failed to pay our flood insurance premium from the escrow account they’re supposed to manage. After endless back-and-forth chasing them down, we discovered they had been mailing critical correspondence to the completely wrong address.
When it inevitably got returned, did they bother picking up the phone, sending an email, or using any of the other contact methods they have on file? No—they just let the policy lapse without a single attempt to warn me. I only found out when my insurance company notified me of the cancellation. Their pathetic excuse? “The phone tree was difficult to navigate.” Seriously? That’s the level of professionalism you get for handing over your hard-earned money every month.
That single act of gross negligence nearly cost me $5,000 in emergency coverage, scrambling until I could find a new insurer. The following year, same nightmare—thankfully, they finally had the right address, so I barely dodged another bullet. I foolishly thought the issue was behind us. Then this year rolls around, and guess what? They did it again. Another failure to pay the insurance from escrow, forcing me to play mediator between them and my insurer, just to get it resolved. Why on earth am I forking over $1,100 a month if I have to babysit their incompetence year after year, fixing problems they create?
Now, to top off the absurdity, they’re claiming I owe them for a supposed “lapse” from January 7, 2026, to February 28, 2026—even though the policy clearly didn’t expire until February 28. They can’t even read the basic dates on the documents they’re paid to handle. The bottom line is crystal clear: Wintrust Mortgage is a disaster waiting to happen. Their escrow management is a joke, their customer service is nonexistent, and their excuses are insulting. If you value your financial security, your sanity, and your property—run the other way. Steer clear of these people at all costs. They’ve proven time and again they’re not competent enough to handle something as basic as paying bills from money you give them. Save yourself the headache, the risk, and the money—choose literally anyone else.
Reviewed Feb. 13, 2026
Stole over $45,000. in grant money given to me and then sold my mortgage as soon as possible!!!! FRAUD. Continually deny it even with proof. DO NOT use this company!! Ron **, Ron **, Brian ** are lying, unscrupulous scumbags
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Wintrust Mortgage Company Information
- Company Name:
- Wintrust Mortgage
- Address:
- 9700 W. Higgins Road, Ste. 300
- City:
- Rosemont
- State/Province:
- IL
- Postal Code:
- 60018
- Country:
- United States
- Website:
- www.wintrustmortgage.com