Company: WTFCN
Filing Date: 2025-11-06
Form Type: 10-Q
Source: 0001015328-25-000207
Chunk: 71

Company: WINTRUST FINANCIAL CORP
Filing Date: 2025-11-06
Form: 10-Q
Item: Item 1
Chunk 71
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— 250,520 5,142 Total$5,098,845 $215,567 $4,452,740 $430,538 Derivative liabilities$199,339 $— $199,339 $— 

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Table of Contents

The aggregate remaining contractual principal balance outstanding as of September 30, 2025, December 31, 2024 and September 30, 2024 for mortgage loans held-for-sale measured at fair value under ASC 825 was $339.1 million, $335.9 million and $462.2 million, respectively, while the aggregate fair value of mortgage loans held-for-sale was $333.9 million, $331.3 million and $461.1 million, for the same respective periods, as shown in the above tables. At September 30, 2025, $200,000 of mortgage loans held-for-sale were classified as nonaccrual compared to $4.0 million as of December 31, 2024 and $2.4 million as of September 30, 2024. Additionally, there were $53.8 million of loans past due greater than 90 days and still accruing in the mortgage loans held-for-sale portfolio as of September 30, 2025 compared to $59.3 million as of December 31, 2024 and $58.4 million as of September 30, 2024. All of the nonaccrual loans and loans past due greater than 90 days and still accruing within the mortgage loans held-for-sale portfolio at September 30, 2025, December 31, 2024, and September 30, 2024 were individual delinquent mortgage loans bought back from GNMA at the unconditional option of the Company as servicer for those loans. The aggregate remaining contractual principal balance outstanding as of September 30, 2025, December 31, 2024 and September 30, 2024 for loans held-for-investment measured at fair value under ASC 825 was $126.4 million, $157.8 million and $138.8 million, respectively, while the aggregate fair value of loans held-for-investment was $129.6 million, $158.8 million and $138.0 million, respectively, as shown in the above tables. The changes in Level 3 assets measured at fair value on a recurring basis during the three and nine months ended September