Wintrust Bank, N.A. Mortgage Lending & HMDA Data, 2023
In 2023, Wintrust Bank, N.A. of Chicago, IL reported 352 mortgage applications totaling $357.8 million, down 16% from 2022. The average application was for $1,016,562, and applicants reported an average income of $388,375. 60% of its applications resulted in an originated loan and 3% were denied. Its largest markets were Chicago-Naperville, IL (259), Phoenix-Mesa-Scottsdale, AZ (13) and Los Angeles-Long Beach-Glendale, CA (10) (applications in parentheses).
| Mortgage Company & Address | Wintrust Bank, N.A. 231 South La Salle Street Chicago, IL 60604 Tel #: available with data download |
| Federal Regulator | * available with data download |
| Years | 2025 2024 2023 2022 2021 2020 2019 |
| Total Number of Mortgage Applications | 352 |
| Total Mortgage Loan Application Amount | $357,830,000 |
| Average Mortgage Loan Application Amount | $1,016,562 |
| Highest Mortgage Loan Application Amount | $36,695,000 |
| Average Applicant Income | $388,375 |
| Highest Applicant Income | $3,453,000 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) records Wintrust Bank, N.A. filed with the FFIEC and count every application it reported (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
| Metro Area | Total Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Application Amount | Average Applicant Income |
|---|---|---|---|---|
| Chicago-Naperville, IL | 259 | $ 252,385,000 | $ 974,459 | $ 325,000 |
| Outside any metro area | 14 | $ 16,470,000 | $ 1,176,428 | $ 527,071 |
| Phoenix-Mesa-Scottsdale, AZ | 13 | $ 16,095,000 | $ 1,238,076 | $ 924,000 |
| Los Angeles-Long Beach-Glendale, CA | 10 | $ 11,100,000 | $ 1,110,000 | $ 336,000 |
| Lake County-Kenosha County, IL-WI | 9 | $ 5,395,000 | $ 599,444 | $ 975,000 |
| Des Moines-West Des Moines, IA | 8 | $ 2,700,000 | $ 337,500 | $ 186,000 |
| Cape Coral-Fort Myers, FL | 4 | $ 2,510,000 | $ 627,500 | $ 281,000 |
| Minneapolis-St. Paul-Bloomington, MN-WI | 4 | $ 2,520,000 | $ 630,000 | $ 326,000 |
| Denver-Aurora-Lakewood, CO | 2 | $ 2,360,000 | $ 1,180,000 | $ 471,000 |
| Fort Collins, CO | 2 | $ 1,120,000 | $ 560,000 | $ 439,000 |
| Naples-Immokalee-Marco Island, FL | 2 | $ 5,020,000 | $ 2,510,000 | $ 839,000 |
| Tampa-St. Petersburg-Clearwater, FL | 2 | $ 2,100,000 | $ 1,050,000 | $ 384,000 |
| Boulder, CO | 1 | $ 925,000 | $ 925,000 | $ 0 |
| Charleston-North Charleston, SC | 1 | $ 1,325,000 | $ 1,325,000 | $ 840,000 |
| Durham-Chapel Hill, NC | 1 | $ 1,255,000 | $ 1,255,000 | $ 0 |
| Elgin, IL | 1 | $ 495,000 | $ 495,000 | $ 135,000 |
| Gary, IN | 1 | $ 65,000 | $ 65,000 | $ 108,000 |
| Green Bay, WI | 1 | $ 145,000 | $ 145,000 | $ 86,000 |
| Kalamazoo-Portage, MI | 1 | $ 2,455,000 | $ 2,455,000 | $ 0 |
| Kansas City, MO-KS | 1 | $ 4,105,000 | $ 4,105,000 | $ 0 |
| Las Vegas-Henderson-Paradise, NV | 1 | $ 115,000 | $ 115,000 | $ 63,000 |
| Milwaukee-Waukesha-West Allis, WI | 1 | $ 855,000 | $ 855,000 | $ 821,000 |
| Missoula, MT | 1 | $ 1,085,000 | $ 1,085,000 | $ 782,000 |
| Morristown, TN | 1 | $ 465,000 | $ 465,000 | $ 271,000 |
| Nashville-Davidson--Murfreesboro--Franklin, TN | 1 | $ 815,000 | $ 815,000 | $ 217,000 |
| Niles-Benton Harbor, MI | 1 | $ 845,000 | $ 845,000 | $ 3,453,000 |
| Orlando-Kissimmee-Sanford, FL | 1 | $ 615,000 | $ 615,000 | $ 297,000 |
| Port St. Lucie, FL | 1 | $ 1,705,000 | $ 1,705,000 | $ 0 |
| Portland-Vancouver-Hillsboro, OR-WA | 1 | $ 725,000 | $ 725,000 | $ 235,000 |
| San Jose-Sunnyvale-Santa Clara, CA | 1 | $ 775,000 | $ 775,000 | $ 193,000 |
| Santa Cruz-Watsonville, CA | 1 | $ 915,000 | $ 915,000 | $ 261,000 |
| Seattle-Bellevue-Everett, WA | 1 | $ 835,000 | $ 835,000 | $ 249,000 |
| Warren-Troy-Farmington Hills, MI | 1 | $ 15,175,000 | $ 15,175,000 | $ 0 |
| Wenatchee, WA | 1 | $ 795,000 | $ 795,000 | $ 273,000 |
| West Palm Beach-Boca Raton-Delray Beach, FL | 1 | $ 1,565,000 | $ 1,565,000 | $ 475,000 |
Mortgage Loan Application Detail Totals for Wintrust Bank, N.A. 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, N.A.'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, N.A.'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.
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