Wintrust Mortgage Review 2026
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Our Take
3.5
Wintrust stands out for its mix of conventional and government loans, which made up more than a quarter of purchase lending last year. 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.
Pros
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Offers a wide range of loan types.
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Has a highly rated mobile app, though it's not clear if it has mortgage features.
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Offers up to $6,000 in down payment assistance to qualified borrowers in Illinois and Wisconsin.
Cons
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Rates aren’t posted online.
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Origination fees are on the high side, according to the latest federal data.
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Borrowers must create an account before applying.
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 | 580 | 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
💵 Home equity
• HELOCs
» 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.
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
Physical branches . . . . . . ✅ Phone support . . . . . . . . . ✅ Mobile app . . . . . . . . . . . . ✅ Online chat (bot) . . . . . . . 🚫 Online chat (human) . . . . 🚫
» 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 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
More from NerdWallet
NerdWallet’s overall ratings for mortgage lenders are evaluated based on four major categories: average mortgage rates and origination fees, rate transparency to consumers, variety of loan types (purchase, refinance, fixed and adjustable, for example) and customer experience. Among the factors we consider in these categories are: options to apply for home loans online, typical time to close, mobile app experience, level of detail about mortgage rates on lender websites, and NerdWallet’s own analysis of the rates and fees lenders reported in the latest available Home Mortgage Disclosure Act data. These and other items inform detailed rubrics, which generate ratings from 1 star (poor) to 5 stars (excellent). Read more about how we rate mortgage lenders here.
