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Wintrust Mortgage Review 2026
Last updated on June 15, 2026
Written byÂ
Lead Writer & Content StrategistCo-written byÂ
Contributing EditorWritten byÂ
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Contributing EditorMany or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.
Why trust NerdWallet
Why trust NerdWallet
- 50+ mortgage lenders reviewed and rated by our team of experts.
- 40+ years of combined experience covering mortgages and financial topics.
- Objective, comprehensive star rating system assessing 120+ categories and 5,000+ data points.
- Governed by NerdWallet's strict guidelines for editorial integrity.
Our Take
3.5
Home loans overall
NerdWallet rating
The Nerdy headline:
Wintrust stands out for its mix of conventional and government loans, which made up more than a quarter of purchase lending in 2024. However, you won’t find much information on the lender’s site — including mortgage rates. Most likely to appeal to borrowers in Illinois or Wisconsin who qualify for down payment assistance.
Jump to:Full Review
Wintrust Mortgage: NMLS#449042
Min. credit score
N/A
Min. down payment
N/A
Loan types and products
Purchase, Refinance, Home Equity, Jumbo, Fixed, Adjustable, FHA, VA, USDA
Pros
- Offers a wide range of loan types.
- APRs on its home loans are slightly more competitive than average, according to the latest federal data.
- Offers up to $6,000 in down payment assistance to qualified borrowers in Illinois and Wisconsin.
Cons
- Rates aren’t posted online.
- Doesn’t have a dedicated mortgage mobile app.
- Potential borrowers must create an account to apply for a mortgage.
Lender | Min. credit score | Min. down payment | |
|---|---|---|---|
 Visit Lenderat NBKC at NBKC | 620 | 3% | Visit Lenderat NBKC at NBKC |
 Visit Lenderat New American Funding at New American Funding | N/A | N/A | Visit Lenderat New American Funding at New American Funding |
 Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC | 580 | 3.5% | Visit Lenderat Rocket Mortgage, LLC at Rocket Mortgage, LLC |
 4.0 Visit Lenderat GO Mortgage at GO Mortgage | 620 | 3% | Visit Lenderat GO Mortgage at GO Mortgage |
 Visit Lenderat Veterans United at Veterans United | 620 | 0% | Visit Lenderat Veterans United at Veterans United |
Full Review
At a glance: Wintrust mortgage options
Wintrust is a large bank based in Rosemont, Illinois. Mortgages are available nationwide.
Wintrust offers most common mortgages, along with a few specialty loans and HELOCs. According to the lender’s website, “there are a large selection of loan options served locally” which don’t follow standard guidelines.
🏠Common mortgages
- Conventional loans (fixed-rate and adjustable)
- Refinancing (rate-and-term and government)
- Jumbo loans
- FHA loans
- VA loans
🔑 Specialty loans
- Renovation loans
- Construction-to-permanent loans
- USDA loans
- Mortgages for second homes
- Doctor loans
- Non-QM loans
đź’µ Home equity
• HELOCs
• Cash-out refinance
Wintrust special offers and discounts
In addition to its mortgage options, Wintrust’s down payment assistance programs stood out in our research.
- The Cook County Homebuyers Assistance Program serves borrowers in the Chicagoland area with credit scores of at least 620.Â
- The Federal Home Bank of Chicago Downpayment Plus Program supports borrowers in Illinois or Wisconsin.
Borrowers must meet requirements to qualify, including income limits and location of the property. The grant amount ranges from $3,000 to $6,000.
» MORE: How to get the best mortgage rate
What does Wintrust specialize in?
A lender’s experience with your loan type can make a big difference. We looked at the latest federal data to find the types of mortgages Wintrust handles most often.
Wintrust's parent company, Barrington Bank & Trust, reports overall mortgage data. Conventional loans made up 70% of Wintrust’s parent’s purchase originations last year, and government loans (VA, FHA and USDA) made up more than a quarter.
How we score Wintrust Mortgage
Like to read the fine print? We do, too. Each year, NerdWallet writers and editors review the latest data and research on mortgage lenders, including federal data, and use a consistent method to score them based on what matters most to borrowers.
Wintrust Mortgage earned a 3.5-star home loans overall rating from NerdWallet. Here’s how that score breaks down across our five weighted subcategories.
Fair
Rates and fees (30%)
Rates and fees determine how much a loan will cost you overall. NerdWallet reviews the latest federal data to score each lender’s average APR spread — a measure that combines interest rates and fees. A higher score means lower typical costs compared to other lenders.
Average
Product accessibility (20%)
We evaluate how widely available a lender’s products are across the U.S. and how accessible they are to different financial profiles. A higher score means broader availability and more flexible requirements. A lower score means fewer options or stricter requirements.
Fair
Customer experience (20%)
We evaluate customer experience by testing and reviewing features like the online application, mobile app, and availability of phone or chat support. A higher score means a smoother, more convenient experience and easier access to help. A lower score means more friction or fewer support options.
Average
Loan variety (15%)
We evaluate loan variety based on the range of home loan types a lender offers. A higher score means more options, while a lower score means a more limited selection.
Poor
Rate transparency (15%)
We review how clearly lenders share rate information on their websites, including sample rates and tools to estimate personalized rates. A higher score means it’s easy to find clear, comprehensive details and compare rates. A lower score means less information is available, often requiring you to contact the lender.
🤓
NerdWallet’s ratings are objective and well-researched (we have the spreadsheets to prove it). But choosing a mortgage lender isn’t just about a star rating or a score breakdown. It’s also about finding the right lender for your unique situation. So yes: you can learn a lot from how the mortgage Nerds scored Wintrust Mortgag. But you’re the expert when it comes to the features of your own best-match mortgage lender.Nerdy Tip
Wintrust reputation and customer experience
NerdWallet's lender star ratings assess objective factors, including rates, fees and loan options. To help you understand borrowers' subjective experiences, NerdWallet gathers customer satisfaction ratings from J.D. Power and Zillow, but Wintrust didn't have sufficient data from either source for NerdWallet to share. We also contacted Wintrust customer support.
Wintrust customer service options
Here’s how you can get in touch with Wintrust.
Ways to reach Wintrust
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» MORE: How to apply for a mortgage
🤓 Our Nerds say... Wintrust offers a wide range of communication options
Taylor Getler, lead writer, mortgages
Borrowers can get in touch with Wintrust customer service in person, over the phone or via mobile app. When we called, we navigated a few automated prompts and were immediately connected with an agent. Mortgage shoppers can also use Wintrust’s online “find a mortgage expert” feature to find an originator near them.
Alternatives to a Wintrust mortgage
Our biggest tip: Get offers from at least three different mortgage lenders. Comparison shopping can save you thousands of dollars. You can get rate quotes yourself, or work with a mortgage broker to shop around on your behalf.
Mortgage shoppers seeking more competitive APRs may want to consider Truist or Alliant Credit Union, which earned the best scores for combined rates and fees among lenders reviewed by NerdWallet.
VA borrowers should check out Navy Federal Credit Union, which won NerdWallet’s best-of award in that category for 2026.
» MORE: Best VA lenders
More from NerdWallet
Methodology
NerdWallet rates mortgage lenders based on what matters most to borrowers: rates and fees, product accessibility, customer experience, rate transparency and the range of loan options.
We review more than 40 lenders and score them using a weighted system that prioritizes affordability and a smooth borrowing experience. Lenders earn higher scores for offering lower borrowing costs, making loans widely available, clearly displaying rate information and supporting borrowers from application through closing.
We use a mix of lender-provided information, publicly available data and our own research and analysis to evaluate each lender. Recent regulatory actions may affect a lender’s score.