Wintrust Mortgage Review 2026
Wintrust Mortgage is a great match for borrowers who want flexible loan options, whether they’re buying, fixing up, building or refinancing a primary residence, vacation home or investment property.
See how we reached our verdict below.
- Variety of loan types to choose from
- Originates mortgages in all 50 states
- Prequalify online with a few simple steps
- Does not disclose minimum credit score requirements for borrowers
- Must take steps to prequalify for sample interest rates and origination fees
- Limited discount programs
Wintrust Mortgage overview
Wintrust Mortgage is a trusted mortgage lender with 65 lending offices and more than 200 bank branch locations nationwide.
- Areas of service: All 50 states
- Digital service: Offers WintrustZoom, a digital mortgage application tool
- Headquarters: 9700 W. Higgins Road, Ste 300, Rosemont, IL 60018
- Website: WintrustMortgage.com
Wintrust Mortgage rates and fees
Rates
Wintrust Mortgage doesn’t publish its mortgage interest rates online. Because it’s exempt from Home Mortgage Disclosure Act (HMDA) reporting requirements, there’s no public data available to compare its rates with those of other lenders.
Fees
Wintrust Mortgage doesn’t provide mortgage interest rates or fee details on its website. The lender is exempt from Home Mortgage Disclosure Act (HMDA) reporting requirements, which also means there’s no public data to compare its pricing with other lenders.
You won’t see estimated closing costs until you’re preapproved, but that’s fairly typical in the mortgage process.
The Wintrust Employee Mortgage Benefits Program is available to eligible employees. While the program doesn’t provide a discount on mortgage rates or closing costs, eligible workers who apply through the proper channels receive a $500 gift card after their loan closes.
What types of mortgage loans does Wintrust Mortgage offer?
Wintrust Mortgage offers conventional loans, including adjustable-rate mortgages (ARMs) and home loans with a fixed interest rate.
Conventional loan qualification requirements
While Wintrust Mortgage doesn’t disclose its minimum loan qualification requirements, standard minimum requirements for conventional loans typically include the following:
- 3% minimum down payment
- 620 minimum credit score
- 0.14% to 2.33% private mortgage insurance (PMI)
- Maximum 45% debt-to-income (DTI) ratio
Wintrust Mortgage offers home loans that are backed by the Federal Housing Administration (FHA). Options include home purchase loans and FHA 203(k) loans, which borrowers can use to purchase and renovate a property.
FHA loan qualification requirements
- 3.5% minimum down payment
- 580 minimum credit score (or 500 with a 10% down payment)
- 1.75% upfront mortgage insurance premium (MIP) plus annual MIP of 0.15% to 0.75%
- Typically a maximum DTI ratio of 43%
- Maximum loan amounts for single unit properties range from $524,225 to $1,814,625, depending on location
Wintrust Mortgage underwrites VA loans, which are purchase mortgages guaranteed by the U.S. Department of Veterans Affairs (VA). The company also offers VA interest rate reduction refinancing loans (VA IRRRL). Borrowers can use a VA IRRRL to lower the interest rate on their existing VA loan or refinance an existing adjustable-rate VA loan to a fixed-rate VA loan.
VA loan qualification requirements
- Typically a 0% down payment
- No minimum credit score set by the VA, but 620 is standard
- 1.25% to 3.30% VA funding fee
- Maximum DTI ratio of 41%
Wintrust Mortgage also offers USDA loans for homebuyers in rural areas, which are backed by the U.S. Department of Agriculture (USDA).
USDA loan qualification requirements
- 0% down payment
- No minimum credit score set by the USDA, but 640 is standard
- Upfront guarantee fee of up to 3.5% of loan amount, plus annual guarantee fee of up to 0.50%
- Maximum DTI ratio of 41%
Wintrust Mortgage’s jumbo loan offerings include fixed-rate, adjustable-rate and interest-only loans.
Jumbo loan qualification requirements
Wintrust doesn’t disclose its jumbo loan requirements, but most lenders offering jumbo loans require:
- 20% minimum down payment
- 700 minimum credit score
- Cash reserves for future mortgage payments
- Maximum DTI ratio of 43%
Wintrust Mortgage offers a 30-year home equity line of credit (HELOC) with a 10-year draw period, competitive interest rates and the option to lock in all or part of the loan with a fixed interest rate.
Home equity loan qualification requirements
- 80% loan-to-value (LTV) ratio maximum
Wintrust Mortgage loan qualifications
| Credit score minimum | Not disclosed |
| DTI ratio
Debt-to-income (DTI) ratio compares your monthly gross income to your monthly debt payments.
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| Down payment minimum |
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Don’t know your credit score? Get your free score on LendingTree Spring today.
Wintrust doesn’t disclose the exact minimum requirements it uses to approve or deny your application, and it’s not required to disclose data from loan applications and originations — such as borrower credit scores, LTV ratios or DTI ratios to the Federal Financial Institutions Examination Council (FFIEC). This means we can’t base our recommendations on that data.
However, the Wintrust Mortgage Homebuyer’s Mortgage Guide recommends potential borrowers avoid the following actions to increase the chances of a successful closing:
- Changing jobs before or during the loan process — especially if the new job is in a different line of work or at a lower pay rate
- Financing any major purchases that require monthly payments
- Anything that would result in a hard credit inquiry, such as applying for a new credit card or asking for a credit line increase
- Switching banks or moving money between accounts
How to apply for a Wintrust Mortgage home loan
1. Choose your loan type
Navigate to WintrustMortgage.com and click “Get Started” in the menu at the top of the page. Then click on the blue “Start the Process” button.
If you’re not sure what type of loan you need, check out the lender’s “Find the perfect loan for you” page.
2. Get prequalified
You’ll need to create an account or log into an existing account if you’ve applied for a mortgage with Wintrust Mortgage before. Then go through the initial application process to get prequalified so you’ll know how much home you can afford and the mortgage rates for which you’ll likely qualify.
Once you complete the prequalification step, you’ll have a rough idea of the amount of your down payment, closing costs and monthly payments.
3. Submit a loan application
Once you identify a home you want to buy and agree to the purchase price and terms, you’ll log back into the website to complete the loan application. You may be able to lock in your interest rate at this point or wait to lock it in later.
Find out more about how to apply for a home loan.
- Social Security numbers (SSNs)
- Identification
- Tax documents
- Bank statement
- Pay stubs
- Debt and asset statements
- Gift letters (if you’re using gifted funds)
Is it safe to get prequalified with Wintrust Mortgage?
Yes, it’s safe to get prequalified with Wintrust Mortgage. When you get prequalified online, you can check a box to authorize a hard pull on your credit or choose not to authorize a credit pull. Just keep in mind that Wintrust will eventually need to pull your credit to give you an accurate estimate of your mortgage rate, and any effects on your score are temporary.
Wintrust Mortgage customer service experience
You can contact Wintrust Mortgage through its toll-free support line Monday through Friday from 8:30 a.m. to 5 p.m. Central Time.
- Email: [email protected]
- Phone: 800-999-2649
If you’re already a customer and have questions about your loan, you can also reach out to Wintrust Mortgage at:
- Phone: 866-718-7899
Also note that Wintrust Mortgage has 65 lending offices and 200+ bank branch locations nationwide, which make it possible to get in-person support if you need it.
How does Wintrust Mortgage compare to other lenders?
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| LendingTree’s rating |
Expert review from LendingTree.
Back to our Wintrust Mortgage summary |
Expert review from LendingTree.
Read our Wintrust Mortgage vs. Better Mortgage comparison |
Expert review from LendingTree.
Read our Wintrust Mortgage vs. Mr. Cooper comparison |
| Minimum credit score | Not published | 620 | Not published |
| Minimum down payment | 0% to 3.5% | 0% to 3.5% | 0% to 3.5% |
| Rate spread
Rate spread is the difference between the average prime offer rate (APOR) — the lowest APR a bank is likely to offer any private customer — and the average annual percentage rate (APR) the lender offered to mortgage customers in 2024. The higher the number, the more expensive the loan.
| Not available | 0.19% | 1.88% |
| Loan products and programs |
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| Better for: | Borrowers who want multiple loan options for buying, fixing up, building or refinancing their primary, secondary or even investment properties | Borrowers who are looking for a fully digital mortgage process that’s powered by AI | Borrowers who are looking for a lender that discloses its interest rates daily |
Wintrust Mortgage vs. Better Mortgage
Both Wintrust Mortgage and Better Mortgage offer standard mortgage loan products, including conventional, FHA, VA, jumbo loans and home equity products. However, Better Mortgage is an online-only lender that specializes in digital mortgages powered by artificial intelligence (AI). This means applicants who are eager to deal with most details of their mortgage online can expect to do so.
Wintrust Mortgage, on the other hand, operates 65 lending offices across the country. This means you can go through the mortgage process in person if you live near a lending office and prefer a more personalized experience. You can also opt to get prequalified for a Wintrust Mortgage home loan online via WintrustZoom if you prefer.
Read more in our full Better Mortgage review.
Wintrust Mortgage vs. Mr. Cooper
Mr. Cooper doesn’t offer the breadth of loan options available from Wintrust Mortgage, but it discloses its interest rates daily. It’s also worth noting that Mr. Cooper has been acquired by Rocket Mortgage, another major lender in the home mortgage industry. This means new consumers can apply for a mortgage entirely online.
The partnership with Rocket Mortgage also makes it possible for applicants to get prequalified for a mortgage and compare rates online without any credit impact.
Read more in our full Mr. Cooper mortgage review.
How LendingTree rated Wintrust Mortgage
LendingTree’s mortgage lender rating is based on a five-point scoring system that factors in several features, including digital application processes, available loan products and the accessibility of product and lending information.
LendingTree’s editorial team calculates each rating based on a review of information available on the lender’s website. Lenders receive a half-point on the “offers standard mortgage products” criterion if they offer only two of the three standard loan programs (conventional, FHA and VA). In some cases, additional information was provided by a lender representative.
Wintrust Mortgage scorecard:
❌ Publishes rates online
✅ Offers standard mortgage products
✅ Includes detailed product info online
✅ Shares resources about mortgage lending
✅ Provides an online application
Frequently asked questions
Wintrust offers an online portal where you can get prequalified, apply for a mortgage and check on the status of your loan application.
Yes. BMO is the seventh-largest bank in North America by asset size and has been in business since 1817.
You can view more info about BMO’s state licenses and registrations through the Nationwide Multistate Licensing System and Registry (NMLS) website.
A new mortgage will temporarily lower your credit score — but typically by around 20 points, which you’ll likely gain back within a year, according to LendingTree research. With consistent on-time payments, getting a mortgage could even help your score improve.
BMO Bank is a well-respected lender with an A+ rating from the Better Business Bureau (BBB).
However, recent reviews on BBB and Trustpilot suggest that the bank may be experiencing some growing pains. Many of the bank’s most negative reviews are from former Bank of the West customers, which BMO acquired in 2023. Some of the most consistent customer complaints include poor communication and unfriendly service. But not every reviewer was unhappy; others praised BMO for being easy to work with and dependable.
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