Wintrust Mortgage Review 2025

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.

» MORE: How to choose a mortgage lender

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. 

• 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.

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

Each year, NerdWallet writers and editors dig into the latest data and independent research on mortgage lending. Then, we rate lenders based on categories that matter most to mortgage borrowers.

Wintrust has a NerdWallet home loans rating of 3.5 stars overall. Here’s a breakdown of this year’s score.

Wintrust’s average mortgage rates and fees score is based on data from its parent company, Barrington Bank & Trust Co.

• The Nerdy details: Our rating system, explainedThe Nerdy details: Our rating system, explained

  Ah, so you’re the “read the fine print” type? We got you. Here’s how our scoring rubric works.

  Average mortgage rates and fees (30%)

  We review federal data (as reported by the lenders) and analyze mortgage lenders’ average fees and interest rates across all loan types. Lenders with the lowest average costs get the highest star ratings. Keep in mind: Loans that are easier to qualify for, like FHA loans, usually have higher rates and fees because lenders see them as a higher risk. Pro tip: Paying some fees upfront can sometimes lower your interest rate.

  Mortgage rate transparency (25%)

  We look at how easy it is to compare mortgage rates online. Lenders get higher transparency ratings if they show sample rates on their website. (Not all lenders do!) The best ratings go to lenders that offer interactive tools that let you customize a rate quote on your own.

  Variety of loan types (25%)

  There’s no one-size-fits-all mortgage. Lenders earn top ratings in this category when they offer a large variety of mortgage types. The more variety, the higher their score. A lender earns points for purchase and refinance; fixed and adjustable rates; FHA, VA or USDA loans; renovation or construction loans; and home equity loans or HELOCs.

  Customer experience (20%)

  How easy is it to work with this lender? Top-rated lenders offer helpful features like online applications, multiple ways to get support, a user-friendly mobile app and clear updates about the loan closing timeline.

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.

» MORE: How to apply for a mortgage

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 who are put off by Wintrust’s high fees may be a fit for NBKC or Andrews Federal 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 2025.

» MORE: Best VA lenders

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