Wintrust Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the A grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
83rd3.0% deniedProcesswithdrawn + incomplete share, weight 15%
36th14.7%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 285 | 211 | 3.2% | 4.0% | — | $276M |
| 2024 | 348 | 280 | 3.7% | 4.4% | — | $448M |
| 2025 | 348 | 288 | 2.6% | 3.0% | — | $542M |
What Wintrust Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 0 manufactured homes, 92 investment properties.
Why Wintrust Bank denies applications
Primary reason reported for each of the 9 denials in 2025. Lenders can cite up to four reasons; this is the first one listed.
Who gets approved at Wintrust Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| $50k – $100k | 22 | 16 | 5.9% |
| $100k – $150k | 29 | 20 | 4.8% |
| $150k – $250k | 41 | 32 | 5.9% |
| Over $250k | 166 | 133 | 2.2% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 54 | 42 | 4.6% |
| 35–44 | 93 | 70 | 4.1% |
| 45–54 | 49 | 40 | 2.4% |
| 55–64 | 44 | 33 | 2.9% |
Where Wintrust Bank lends
17 states and 34 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Wintrust Bank denied 3.0% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 83rd percentile of small mortgage lenders.
The most common reason Wintrust Bank gave in 2025 was "collateral", cited on 55.6% of its denials. Lenders report up to four reasons per denial to the CFPB; the full breakdown is on this page.
In 2025, 59% of its applications were for home purchases, 35% for refinancing (including cash-out), and 7% for home improvement or other purposes. By loan type: 100% conventional, 0% FHA, 0% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.