Wintrust Mortgage Review 2025

Wintrust Mortgage overview

Wintrust Mortgage is part of Wintrust Financial Corporation, a network of 70 community bank brands with over 170 locations in the U.S. Its branches are primarily located 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: 3.4/5

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 3.7 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.
• Down payment: For qualified borrowers, Wintrust offers VA and USDA loans with no down payment requirement, FHA loans with as little as 3.5 percent down and conventional loans with a minimum 3 percent 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: 5/5

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.
• 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: 2.7/5

Wintrust Mortgage doesn’t make its current loan offers public, nor make it as easy to get in touch compared to other lenders. These factors brought its borrower experience score to 2.7 stars out of 5.

• Preapproval and application process: Wintrust’s Zoom Mortgage platform makes the application process easy 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.

Wintrust Mortgage reputation

Wintrust Mortgage is a longtime player in the industry, though it has cut back on its mortgage business in recent years. The lender is accredited by the Better Business Bureau with an A+ grade.

Refinancing with Wintrust Mortgage

Wintrust Mortgage offers both rate-and-term and cash-out refinancing options. While the lender doesn’t disclose rates online, a loan officer indicated that the costs associated with refinancing include a $1,315 administrative fee, plus title costs and an appraisal fee. Depending on the rate you choose, you might be able to secure lender credits to help lower upfront costs.

How to apply for a mortgage with Wintrust Mortgage

You can apply for a mortgage with Wintrust Mortgage online or by phone at 800-999-2649.