Wintrust Bank, National Association mortgage approval rate & lending review
Wintrust Bank, National Association decided 599 mortgage applications and funded 569 loans across the 616 counties Fat Boy Data covers, 2023–2025.
These are the decisions Wintrust Bank, National Association reported under the Home Mortgage Disclosure Act, not its advertised interest rates.
Wintrust Bank, National Association at a glance
Approval is 12.2 points above the 83.8% national rate for the same mix of loan types.
Approval rates by loan type
| Loan type | Approval | Approved | Taken up | Typical loan | Loans made |
|---|---|---|---|---|---|
| Mortgage lenders | 96% | 356 / 369 | 99% | $775K | 352 |
| Refinance | 93% | 82 / 88 | 99% | $955K | 81 |
| Investment property purchase | 98% | 46 / 47 | 100% | $515K | 46 |
| Investment refinance | 97% | 59 / 61 | 100% | $275K | 59 |
Wintrust Bank, National Association lending by state
| State | Approval | Typical loan | Decided | Loans made |
|---|---|---|---|---|
| Illinois | 96% | $775K | 500 | 474 |
| California | 92% | $955K | 24 | 22 |
Fat Boy Data covers 616 counties, 79.6% of the US population, not every county in every state. States with fewer than 20 decisions are not listed.Methodology.
Where Wintrust Bank, National Association lends most
| County | Loan type | Approval | Decided | Loans made |
|---|---|---|---|---|
| Cook County, IL | Investment refinance | 98% | 55 | 54 |
The county markets where Wintrust Bank, National Association made the most loans. Each link opens that market with every lender ranked.
Questions about Wintrust Bank, National Association
What is Wintrust Bank, National Association's mortgage approval rate?
Wintrust Bank, National Association approved 96.0% of the 599 mortgage applications it decided across the 616 counties Fat Boy Data covers, 2023–2025, 12.2 points above the 83.8% national rate for the same mix of loan types.
How often do borrowers take the loan Wintrust Bank, National Association offers?
Borrowers accepted 99% of the loans Wintrust Bank, National Association approved, against 96% for all home purchase mortgage lenders nationally. A low take-up usually means the approved terms were not competitive.
What size loans does Wintrust Bank, National Association make?
The typical home purchase mortgage loan Wintrust Bank, National Association made was $775K; across all loan types its typical loan ran from $275K to $955K. HMDA reports amounts in $10,000 brackets, so these are midpoints.
Where does Wintrust Bank, National Association lend?
Wintrust Bank, National Association decided applications in 20 of the states Fat Boy Data covers, most of them in Illinois, California and Florida.
Can I apply to Wintrust Bank, National Association directly?
Yes. Wintrust Bank, National Association is a bank or credit union with 38 branches in the FDIC and NCUA registries, and it takes mortgage applications directly.
Does this page show Wintrust Bank, National Association's interest rates?
No. HMDA filings record who applied, who was approved and how much was borrowed, not the rate offered. Use the approval rate and take-up here to judge how Wintrust Bank, National Association treats applications, then get a rate quote from the lender.