Excellent product, communication and response time from the Wintrust team. We decided to start the re-fi process with both Wintrust and our existing bank/mortgage holder (one of the five largest banks in the U.S.) and Wintrust got us a better rate/terms and was significantly more engaged with us during the process. So, we moved our mortgage from our previous bank to Wintrust. I would highly recommend them to anyone looking for a mortgage.