Wintrust Mortgage · Bank
Wintrust Mortgage
Review published mortgage options and requirements, then request a personalized quote from the lender.
Availability: Wintrust Mortgage is a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank
At a glance
- Property use
- Investment property
Still to confirm: Borrower type, Credit requirement, Reserves.
Our take: Pros & Cons
What we like
- A loan originator reviews mortgage options and borrower circumstances.
- Listed investment and second-home options may consider certain assets as income for qualified applicants.
What to consider
- Credit, documentation, property and geographic requirements need program-specific lender confirmation.
- Request a current quote and Loan Estimate; no numeric advertised rate is confirmed.
AI-generated lender-level assessment based on published information. Not a verified assessment of INVESTMENT OR SECOND HOME — Investment property; confirm program-specific conditions below.
Newcomer requirements
INVESTMENT OR SECOND HOME — Investment property
Fit not assessed · Check fit
Verified published requirements for this program. Rate-example assumptions are separate and do not establish eligibility or approval.
- Occupancy
- Investment property
Questions to confirm with the lender (16)
These requirements have not been verified for this program:
- SSN
- ITIN
- U.S. credit history
- Foreign credit history
- No credit history
- Residency / visa
- Minimum credit score
- Minimum down payment
- Income documentation
- Employment documentation
- Foreign income
- Foreign assets
- Reserves
- State restrictions
- Property restrictions
- Other conditions
Requirements last reviewed: Oct 27, 2026 · Official requirements source
Rates and costs
INVESTMENT OR SECOND HOME — Investment property
Rates are available on request
No reviewed advertised rate example is linked to this program.
How to apply
INVESTMENT OR SECOND HOME — Investment property
Document requirements are not confirmed. Ask the lender for its program-specific checklist.
- Confirm the program's identity, residency, credit and property requirements with the lender.
- Use the official application channel to request pricing for your actual scenario.
- Review the lender's written Loan Estimate, including costs and cash to close.
Published eligibility and availability do not guarantee approval. Confirm membership, relationship, property and occupancy conditions with the lender.
Sources and methodology
About this lender
Wintrust Mortgage, a division of Barrington Bank & Trust Company, offers mortgage financing reviewed by a loan originator. Listed investment and second-home options may allow qualifying borrowers to use certain assets as income sources.
Legal lender: Barrington Bank & Trust Company, N.A.
Lending channel: Direct lending
Provider type: Bank
Lending channels: Direct lending. Origination status: Not stated.
NMLS identifier: 449042
More lender directory information
Direct application information ↗
Wintrust Mortgage is a division of Barrington Bank & Trust Company, N.A., a Wintrust Community Bank
Directory verified: 2026-10-27 UTC · Official directory source ↗
Official mortgage terms · Profile reviewed: Oct 27, 2026
- Official lender source · Last checked Not confirmed
What do APR, points, LTV and reserves mean?
- APR
- An annualized borrowing-cost measure that includes interest and certain loan charges. Read it alongside the interest rate and fees.
- Discount points
- An upfront charge expressed as a percentage of the loan amount. Compare the quoted interest rate and the points together.
- LTV
- Loan-to-value: the loan amount relative to the property's value.
- Reserves
- Assets the lender may require you to retain after closing. Requirements differ by program.