Wintrust Bank N.a. Mortgage Rates, Fees & Info
Chicago, ILLEI: 549300RAQJBTN6Z28096
Tax ID: 36-3970472
Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data
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Mortgage Data
Review & Overview
Wintrust Bank N.a. is a smaller bank specializing in Home Purchase and Refi loans. Wintrust Bank N.a. has a high proportion of conventional loans. Their top markets by origination volume include: Chicago, Nashville, Boulder, Cincinnati, and Miami among others. We have data for 33 markets. (Some data included below & more in-depth data is available with an active subscription.)Wintrust Bank N.a. has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders.
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Originations
280Origination Dollar Volume (All Markets)
$448,210,000Top Markets
Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.
| Market | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) | 229 | $294,895,000 | $1,287,751 | $0 | 0.00% |
| NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) | 1 | $45,005,000 | $45,005,000 | $0 | 0.00% |
| BOULDER, CO (FHA|USDA|VA) | 1 | $19,005,000 | $19,005,000 | $0 | 0.00% |
| CINCINNATI, OH-KY-IN (FHA|USDA|VA) | 1 | $14,335,000 | $14,335,000 | $0 | 0.00% |
| Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) | 3 | $12,755,000 | $4,251,667 | $0 | 0.00% |
| NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) | 2 | $7,410,000 | $3,705,000 | $0 | 0.00% |
| Outside of Metro Areas | 6 | $5,930,000 | $988,333 | $0 | 0.00% |
| PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) | 4 | $5,660,000 | $1,415,000 | $0 | 0.00% |
| KALAMAZOO-PORTAGE, MI (FHA|USDA|VA) | 2 | $5,660,000 | $2,830,000 | $0 | 0.00% |
| CHARLOTTE-CONCORD-GASTONIA, NC-SC (FHA|USDA|VA) | 1 | $5,605,000 | $5,605,000 | $0 | 0.00% |
| San Francisco-Oakland-Berkeley, CA (FHA|USDA|VA) | 4 | $5,320,000 | $1,330,000 | $0 | 0.00% |
| Seattle-Tacoma-Bellevue, WA (FHA|USDA|VA) | 3 | $5,025,000 | $1,675,000 | $0 | 0.00% |
| NAPA, CA (FHA|USDA|VA) | 1 | $4,005,000 | $4,005,000 | $0 | 0.00% |
| SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) | 1 | $1,845,000 | $1,845,000 | $0 | 0.00% |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) | 1 | $1,505,000 | $1,505,000 | $0 | 0.00% |
| DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) | 1 | $1,485,000 | $1,485,000 | $0 | 0.00% |
| MINNEAPOLIS-ST. PAUL-BLOOMINGTON, MN-WI (FHA|USDA|VA) | 1 | $1,405,000 | $1,405,000 | $0 | 0.00% |
| SAN JOSE-SUNNYVALE-SANTA CLARA, CA (FHA|USDA|VA) | 1 | $1,205,000 | $1,205,000 | $0 | 0.00% |
| FRESNO, CA (FHA|USDA|VA) | 2 | $1,060,000 | $530,000 | $0 | 0.00% |
| FLAGSTAFF, AZ (FHA|USDA|VA) | 1 | $995,000 | $995,000 | $0 | 0.00% |
| MADISON, WI (FHA|USDA|VA) | 2 | $920,000 | $460,000 | $0 | 0.00% |
| Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) | 1 | $885,000 | $885,000 | $0 | 0.00% |
| Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) | 1 | $875,000 | $875,000 | $0 | 0.00% |
| OCALA, FL (FHA|USDA|VA) | 1 | $835,000 | $835,000 | $0 | 0.00% |
| North Port-Sarasota-Bradenton, FL (FHA|USDA|VA) | 1 | $805,000 | $805,000 | $0 | 0.00% |
| APPLETON, WI (FHA|USDA|VA) | 1 | $685,000 | $685,000 | $0 | 0.00% |
| ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) | 1 | $655,000 | $655,000 | $0 | 0.00% |
| TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) | 1 | $525,000 | $525,000 | $0 | 0.00% |
| KNOXVILLE, TN (FHA|USDA|VA) | 1 | $485,000 | $485,000 | $0 | 0.00% |
| MICHIGAN CITY-LA PORTE, IN (FHA|USDA|VA) | 1 | $425,000 | $425,000 | $0 | 0.00% |
| Kalispell, MT (FHA|USDA|VA) | 1 | $405,000 | $405,000 | $0 | 0.00% |
| GRAND FORKS, ND-MN (FHA|USDA|VA) | 1 | $325,000 | $325,000 | $0 | 0.00% |
| EAU CLAIRE, WI (FHA|USDA|VA) | 1 | $275,000 | $275,000 | $0 | 0.00% |
Product Mix
| Loan Type | Originations | Total Value | Avg. Loan | Avg. Fees | Avg. Rate |
|---|---|---|---|---|---|
| Conventional | 280 | $448,210,000 | $1,600,750 | $0 | 0.00% |
For 2024, Wintrust Bank N.a.'s most frequently originated type of loan was Conventional, with 280 originations.
Loan Reason
For 2024, Wintrust Bank N.a.'s most frequently cited loan purpose was Home Purchase, with 187 originations. The 2nd most popular reason was Refi, with 78 originations.
Loan Duration/Length
| Loan Length | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Other | 280 | $448,210,000 | $1,600,750 | $0 | 0.00% |
For 2024, Wintrust Bank N.a.'s most frequently cited loan duration was Other, with 280 originations.
Loan Sizing
2024 saw Wintrust Bank N.a. place emphasis on $1MM+ loans with 107 originations, totaling $351,695,000 in origination value.
Applicant Income
Wintrust Bank N.a. lent most frequently to those with incomes in the $250k+ range, with 145 originations. The second most popular income band? $150k-250k, with 31 originations.
Applicant Debt to Income Ratio
| DTI Ratio | Originations | Total Value | Average Loan | Average Fees | Average Rate |
|---|---|---|---|---|---|
| Exempt% | 280 | $448,210,000 | $1,600,750 | $0 | 0.00% |
Wintrust Bank N.a. lent most frequently to those with DTI ratios of Exempt%, with 280 originations.
Ethnicity Mix
Approval Rates
Total approvals of all applications96.72%
Wintrust Bank N.a. has an exceptionally high approval rate. They either target their audience very well or may have lax underwriting protocols.
Pick Rate
Approvals leading to origination82.50%
Wintrust Bank N.a. has a below average pick rate.
Points and Fees
| Points | Originations | Total Value | Average Loan |
|---|---|---|---|
| Exempt | 280 | $448,210,000 | $1,600,750 |