Company: WTFCN
Filing Date: 2025-05-05
Form Type: 10-Q
Source: 0001015328-25-000130
Chunk: 32

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-05-05
Form: 10-Q
Item: Item 1
Chunk 32
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 consumer mortgage loan, the Company is considered to possess the related collateral only if legal title is obtained upon completion of foreclosure, or the borrower conveys all interest in the residential real estate property to the Company through completion of a deed in lieu of foreclosure or similar legal agreement. At March 31, 2025, the Company had no foreclosed residential real estate properties included within OREO. Further, the recorded investment in residential mortgage 

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loans secured by residential real estate properties for which foreclosure proceedings are in process totaled $65.1 million and $49.6 million at March 31, 2025 and 2024, respectively. 

The tables below presents a summary of the period-end balance of loans to borrowers experiencing financial difficulties during the three months ended March 31, 2025 and 2024:Three Months EndedMarch 31, 2025 (Dollars in thousands)TotalPercentage of Total Class of LoanExtension of TermReduction of InterestRateInterest OnlyPaymentsDelay in Contractual PaymentsExtension of Term and Reduction of Interest RateCommercialCommercial, industrial and other$18,9480.3 %$18,624 $— $32 $— $292 Commercial real estateConstruction and development—— — — — — — Non-construction—— — — — — — Home equity—— — — — — — Residential real estate8730.0 163 — — — 710 Premium Finance ReceivablesProperty and casualty insurance loans—— — — — — — Total loans$19,8210.0 %$18,787 $— $32 $— $1,002 Weighted Average Magnitude of Modifications: Three Months Ended March 31, 2025 (Dollars in thousands)TotalDuration of Extension of Term (months)Reduction of InterestRate (bps)Duration of Delay in Contractual Payments (months)CommercialCommercial, industrial and other$18,948 725 — Commercial real estateConstruction and development— — — — Non-construction— — — — Home equity— — — — Residential real estate873 48162 — Premium finance receivablesProperty and casualty insurance loans— — — — Total loans$19,821 8131