Wintrust Bank, National Association
HMDA Loan Application Totals
and Mortgage Lending Details
for 2023
Wintrust Bank, National Association 2023 HMDA loan application data provides key insights into its mortgage lending trends, applicant demographics, and loan distribution.
The Home Mortgage Disclosure Act (HMDA) requires lenders to report detailed loan application data, offering transparency into lending patterns.
The data reveals trends in average loan size, applicant income, and mortgage approval rates, helping consumers and analysts understand lending accessibility.
Below, explore a breakdown of loan applications by county, metro area, loan purpose, applicant race, loan type, and more.
Whether you're an industry professional, homebuyer, or researcher,
this information provides valuable insights into mortgage lending activity.
Scroll down to view the full dataset and analyze lending trends in greater detail.
| Mortgage Company & Address | Wintrust Bank, National Association 231 S Lasalle, Ste 0100S Chicago, IL 60604 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2023 2022 2021 2020 2019 |
| Total Number of Mortgage Applications | 352 |
| Total Mortgage Loan Application Amount | $357,830,000 |
| Average Mortgage Loan Application Amount | $745,400 |
| Highest Mortgage Loan Application Amount | $36,695,000 |
| Average Applicant Income | $328,800 |
| Highest Applicant Income | $3,453,000 |
Explore comprehensive HMDA mortgage statistics and lending trends for 2023 with Wintrust Bank, National Association. Below, you'll find key insights into this lender's mortgage activity, including total loan applications, average mortgage amounts, highest application values, and income levels of top applicants. Whether you're analyzing Wintrust Bank, National Association's lending patterns or researching mortgage trends, these statistics provide valuable transparency into their loan activity.
Our HMDA dataset for 2023 breaks down Wintrust Bank, National Association's mortgage applications by loan purpose, applicant race, loan type, approval outcomes, and reasons for denial. These insights help homebuyers, financial analysts, and industry professionals assess borrower demographics and lending practices, offering a clearer view of how Wintrust Bank, National Association serves its applicants.
Each category highlights the total number of mortgage applications processed by Wintrust Bank, National Association, total loan amounts, average mortgage values, and the highest mortgage amounts recorded. You can also review borrower income trends, including the average and highest reported applicant incomes for loans issued by this lender. Whether you're evaluating lender performance, comparing mortgage approval rates, or exploring loan options, this HMDA-backed data offers a crucial look at Wintrust Bank, National Association's mortgage activity for 2023.
| County | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loans Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Cook County Illinois | 257 | $ 246,975,000 | $ 960,000 | $ 321,000 |
| Maricopa County Arizona | 13 | $ 16,095,000 | $ 1,238,000 | $ 924,000 |
| Los Angeles County California | 10 | $ 11,100,000 | $ 1,110,000 | $ 336,000 |
| Lake County Illinois | 9 | $ 5,395,000 | $ 599,000 | $ 975,000 |
| Lee County Florida | 4 | $ 2,510,000 | $ 627,000 | $ 281,000 |
| Polk County Iowa | 4 | $ 850,000 | $ 212,000 | $ 142,000 |
| Dallas County Iowa | 3 | $ 1,605,000 | $ 535,000 | $ 271,000 |
| Flathead County Montana | 3 | $ 2,455,000 | $ 818,000 | $ 229,000 |
| Gallatin County Montana | 3 | $ 8,125,000 | $ 2,708,000 | $ 362,000 |
| Larimer County Colorado | 2 | $ 1,120,000 | $ 560,000 | $ 439,000 |
| Collier County Florida | 2 | $ 5,020,000 | $ 2,510,000 | $ 839,000 |
| DuPage County Illinois | 2 | $ 5,410,000 | $ 2,705,000 | $ 674,000 |
| Hennepin County Minnesota | 2 | $ 1,760,000 | $ 880,000 | $ 283,000 |
| Santa Clara County California | 1 | $ 775,000 | $ 775,000 | $ 193,000 |
| Santa Cruz County California | 1 | $ 915,000 | $ 915,000 | $ 261,000 |
| Boulder County Colorado | 1 | $ 925,000 | $ 925,000 | $ 0 |
| Denver County Colorado | 1 | $ 1,035,000 | $ 1,035,000 | $ 471,000 |
| Jefferson County Colorado | 1 | $ 1,325,000 | $ 1,325,000 | $ 0 |
| Pitkin County Colorado | 1 | $ 2,405,000 | $ 2,405,000 | $ 2,272,000 |
| Summit County Colorado | 1 | $ 675,000 | $ 675,000 | $ 341,000 |
| Hillsborough County Florida | 1 | $ 885,000 | $ 885,000 | $ 384,000 |
| Martin County Florida | 1 | $ 1,705,000 | $ 1,705,000 | $ 0 |
| Orange County Florida | 1 | $ 615,000 | $ 615,000 | $ 297,000 |
| Palm Beach County Florida | 1 | $ 1,565,000 | $ 1,565,000 | $ 475,000 |
| Pinellas County Florida | 1 | $ 1,215,000 | $ 1,215,000 | $ 0 |
| Kendall County Illinois | 1 | $ 495,000 | $ 495,000 | $ 135,000 |
| Lee County Illinois | 1 | $ 355,000 | $ 355,000 | $ 125,000 |
| Lake County Indiana | 1 | $ 65,000 | $ 65,000 | $ 108,000 |
| Madison County Iowa | 1 | $ 245,000 | $ 245,000 | $ 105,000 |
| Berrien County Michigan | 1 | $ 845,000 | $ 845,000 | $ 3,453,000 |
| Kalamazoo County Michigan | 1 | $ 2,455,000 | $ 2,455,000 | $ 0 |
| Oakland County Michigan | 1 | $ 15,175,000 | $ 15,175,000 | $ 0 |
| Anoka County Minnesota | 1 | $ 355,000 | $ 355,000 | $ 363,000 |
| Dakota County Minnesota | 1 | $ 405,000 | $ 405,000 | $ 375,000 |
| Pine County Minnesota | 1 | $ 105,000 | $ 105,000 | $ 170,000 |
| Jackson County Missouri | 1 | $ 4,105,000 | $ 4,105,000 | $ 0 |
| Lake County Montana | 1 | $ 945,000 | $ 945,000 | $ 1,029,000 |
| Missoula County Montana | 1 | $ 1,085,000 | $ 1,085,000 | $ 782,000 |
| Clark County Nevada | 1 | $ 115,000 | $ 115,000 | $ 63,000 |
| Otsego County New York | 1 | $ 785,000 | $ 785,000 | $ 293,000 |
| Durham County North Carolina | 1 | $ 1,255,000 | $ 1,255,000 | $ 0 |
| Multnomah County Oregon | 1 | $ 725,000 | $ 725,000 | $ 235,000 |
| Charleston County South Carolina | 1 | $ 1,325,000 | $ 1,325,000 | $ 840,000 |
| Jefferson County Tennessee | 1 | $ 465,000 | $ 465,000 | $ 271,000 |
| Wilson County Tennessee | 1 | $ 815,000 | $ 815,000 | $ 217,000 |
| Danville County Virginia | 1 | $ 35,000 | $ 35,000 | $ 25,000 |
| Chelan County Washington | 1 | $ 795,000 | $ 795,000 | $ 273,000 |
| Snohomish County Washington | 1 | $ 835,000 | $ 835,000 | $ 249,000 |
| Juneau County Wisconsin | 1 | $ 585,000 | $ 585,000 | $ 689,000 |
| Oconto County Wisconsin | 1 | $ 145,000 | $ 145,000 | $ 86,000 |
| Waukesha County Wisconsin | 1 | $ 855,000 | $ 855,000 | $ 821,000 |
Mortgage Loan Application Detail Totals for Wintrust Bank, National Association in 2023
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 227 | $255,335,000 | $1,124,000 | $36,695,000 | $412,000 | $3,453,000 |
| Refinancing | 80 | $81,700,000 | $1,021,000 | $4,455,000 | $403,000 | $1,324,000 |
| Other Purpose | 18 | $6,460,000 | $358,000 | $4,015,000 | $210,000 | $1,200,000 |
| Cash-out Refinancing | 18 | $6,630,000 | $368,000 | $895,000 | $177,000 | $439,000 |
| Home Improvement | 9 | $7,705,000 | $856,000 | $2,405,000 | $442,000 | $1,182,000 |
| Not Applicable | 0 | $0 | $0 | $0 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 155 | $139,155,000 | $897,000 | $4,015,000 | $491,000 | $3,453,000 |
| Not applicable | 121 | $158,835,000 | $1,312,000 | $36,695,000 | $112,000 | $563,000 |
| Not Provided | 34 | $27,190,000 | $799,000 | $3,005,000 | $392,000 | $1,182,000 |
| Hispanic | 12 | $6,920,000 | $576,000 | $1,445,000 | $235,000 | $482,000 |
| Black or African American | 11 | $7,485,000 | $680,000 | $2,805,000 | $444,000 | $2,298,000 |
| Asian | 9 | $8,035,000 | $892,000 | $1,955,000 | $371,000 | $610,000 |
| American Indian or Alaskan Native | 1 | $315,000 | $315,000 | $315,000 | $131,000 | $131,000 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 352 | $357,830,000 | $1,016,000 | $36,695,000 | $384,000 | $3,453,000 |
| FHA-insured (Federal Housing Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 0 | $0 | $0 | $0 | $0 | $0 |
| VA-guaranteed (Veterans Administration) | 0 | $0 | $0 | $0 | $0 | $0 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 211 | $276,275,000 | $1,309,000 | $36,695,000 | $506,000 | $3,453,000 |
| Loan Purchased By The Institution | 67 | $24,095,000 | $359,000 | $1,475,000 | $112,000 | $563,000 |
| Application Withdrawn By Applicant | 57 | $46,185,000 | $810,000 | $3,005,000 | $370,000 | $1,324,000 |
| Application Denied By Financial Institution | 9 | $4,855,000 | $539,000 | $1,705,000 | $264,000 | $547,000 |
| File Closed For Incompleteness | 5 | $5,005,000 | $1,001,000 | $1,405,000 | $283,000 | $523,000 |
| Application Approved But Not Accepted | 3 | $1,415,000 | $471,000 | $795,000 | $217,000 | $375,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
| Preapproval Denied by Financial Institution | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 343 | $352,975,000 | $1,029,000 | $36,695,000 | $386,000 | $3,453,000 |
| Debt-To-Income Ratio | 4 | $3,660,000 | $915,000 | $1,705,000 | $218,000 | $474,000 |
| Collateral | 1 | $105,000 | $105,000 | $105,000 | $170,000 | $170,000 |
| Other | 1 | $525,000 | $525,000 | $525,000 | $0 | $0 |
| Unverifiable Information | 1 | $205,000 | $205,000 | $205,000 | $547,000 | $547,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $225,000 | $225,000 | $225,000 | $0 | $0 |
| Credit History | 1 | $135,000 | $135,000 | $135,000 | $214,000 | $214,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Credit Application Incomplete | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
Our comprehensive HMDA mortgage statistics provide invaluable insights into Wintrust Bank, National Association's 2023 lending activity. By analyzing detailed data on mortgage applications, total loan amounts, applicant incomes, loan purposes, and approval rates, industry professionals, researchers, and analysts can gain a clear understanding of this lender's role in the mortgage market.
This in-depth HMDA data allows real estate experts, financial analysts, and policymakers to track lending trends, evaluate borrower demographics,
and assess Wintrust Bank, National Association's mortgage approval patterns.
Utilize this powerful dataset to analyze market performance, compare lending practices, and make data-driven decisions in the ever-changing mortgage industry.
For a list of all lenders in Illinois, download the full spreadsheet
with aggregated HMDA statistics today.