Wintrust Mortgage NMLS #449042
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At a glance
- Size7,752 home loans closed in 2025
- Loan typesConventional, VA and FHA
2025 figures are for Barrington Bank & Trust Company, National Association's filing.
What it closes
Share of its 2025 home loans: 71% Conventional, 21% VA, 7% FHA and 1% Other types.
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Who is Wintrust Mortgage?
Wintrust Mortgage is a brand of Barrington Bank & Trust Company (NMLS #449042), which is a lender listed in the NMLS registry. FreeRateUpdate publishes this review alongside current mortgage rates, a rate finder, and mortgage calculators.
Key Facts
- Lender or brokerWintrust Mortgage
- Brand ofBarrington Bank & Trust Company, NMLS #449042
- NMLS #449042
- Profile updated
- Biography reviewed byPaige Sutton, NMLS #1888684 ()
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Bank facts
Barrington Bank & Trust Company, National Association held $5,165,793,000 in total assets as of June 30, 2026, per the FDIC (certificate 34395). The FDIC and NMLS records both place it in Barrington, Illinois. FDIC deposit insurance covers deposits held at the bank. It is the bank's coverage and does not extend to any mortgage.
About Wintrust Mortgage
Overview
Barrington Bank & Trust Company is a mortgage lender based in Barrington, Illinois. Its mortgage materials are organized for first-time homebuyers, move-up buyers, refinance borrowers and current Wintrust Mortgage borrowers, with prequalification presented as an early step before house hunting.
Mortgage options
Mortgage options include adjustable-rate mortgages, home equity lines of credit, renovation loans, FHA 203(k) loans and construction-to-permanent loans. In 2025, Barrington Bank & Trust Company made conventional, FHA, VA and USDA loans. Its loans that year were for home purchases, refinances, cash-out refinances and home improvement.
How it works
Borrowers can look for a Wintrust Mortgage office by address or ZIP code, begin with prequalification, and access mortgage payment tools for an existing Wintrust Mortgage loan.
Company details and licensing
Barrington Bank & Trust Company N.A. is headquartered at 201 S. Hough St in Barrington, Illinois. The company’s NMLS ID is 449042, and its primary regulator is the Office of the Comptroller of the Currency. Licensing is verifiable through NMLS Consumer Access.
Verify NMLS #449042 on NMLS Consumer Access
Sources
Sources last checked . These are the outside records this profile was written from. FreeRateUpdate is not affiliated with them, and they have not reviewed, endorsed, or approved FreeRateUpdate or this page.
Additional information
Reported application outcomes and pricing, 2025
- Filed asBarrington Bank & Trust Company, National Association
- 2025 home loan decisionsOf 8,653 applications decided by Barrington Bank & Trust Company, National Association in 2025, 7,752 were originated, 113 were approved but not accepted by the borrower, and 788 were denied.
- Approval rate: approved (originated plus approved but not accepted) as a share of applications decided (approved plus denied) = 90.9%. Withdrawn, incomplete and purchased loans are not counted.
- Withdrawn, incomplete and purchasedBeyond the decisions above, 2,938 applications were withdrawn by the borrower, 117 were closed for incompleteness, and 18 loans were purchased from another lender. HMDA counts these as outcomes in their own right — withdrawn before a decision, closed with no decision reached, and a purchased loan is one bought from another lender — and none of them is a lending decision.
- Median rate spread0.273 percentage points above the average prime offer rate (reported on 7,726 originations, 26 reported no spread at all — a median of what was reported, not of everything originated)
These are reported outcomes from past applications, and on their own they do not show how this lender treated any borrower.
Reported closing costs, 2025
- Median total loan costs$5,323.00 — originated closed-end household loans, 2025, 7,725 of 7,726 loans. FFIEC HMDA data browser.
- Median origination charges$1,593.04 — originated closed-end household loans, 2025, 7,725 of 7,726 loans. FFIEC HMDA data browser.
- About these figuresThese are historical closing costs reported in the 2025 filing, not a quote for your loan.
Reported product mix, 2025
- Loan types5,517 Conventional, 553 FHA, 1,639 VA, 43 USDA — of 7,752 reported originations, 2025. FFIEC HMDA data browser.
Evidence read October 20, 2026
Source: FFIEC HMDA data browser, 2025 filing. Historical HMDA-reported application outcomes and pricing fields for Barrington Bank & Trust Company, National Association — historical outcomes for the applications it decided. This is not a statement of any consumer's likelihood of approval and not a current rate quote.
Frequently Asked Questions
What is Wintrust Mortgage's NMLS number?
Wintrust Mortgage's NMLS number is 449042. You can look up its license status on NMLS Consumer Access, at nmlsconsumeraccess.org.
Where can I learn more about Wintrust Mortgage?
This page has Wintrust Mortgage's NMLS registration and company facts, with links to the records they come from where we have them. For its license status in a particular state, check NMLS Consumer Access.