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David Bernat

Certified Mortgage Planner

Wintrust Mortgage

Contact David Bernat


David Bernat has been in the banking and finance industry since 1985. He is 49 years old, has been married eighteen years, has a sixteen year old son, and moved to the Tri-Cities area in 2004. In 1991 David began his career in Residential Mortgage Lending as a loan processor. He has held most every operational position; processor, underwriter, closer and post-closer. It was this training that provided the foundation and knowledge needed to begin his career as a loan originator.

In 1998, David was honored by the past president of the Illinois Association of Mortgage Brokers to receive a scholarship for the Certified Residential Mortgage Specialist "CRMS" designation. David accepted this honor and in September of 1999, completed all requirements and testing, and received the nationally recognized CRMS designation. Since receiving his designation, David has continued his education to remain current with the changing Federal and State Lending regulations.

When David is not originating mortgage loans or helping local real estate agents build their business, he can often be found attending his son's sporting practices, games and tournaments as well as golfing, vacationing with the family, or enjoying a backyard barbeque.




"We were very pleased with the entire process, from the ease of online application and documents, to rates and the personal touch provided by the loan officer" -William S. 3/17/2017

"David Bernat has been my mortgage banker for over 13 years. I invest in single family homes and he has helped me with every acquisition and refinance. His service has always been top-notch. He does not hesitate to spend the extra time and effort to deliver the loan on time. He always answers any question on financing, and I've asked almost every question imaginable. I have recommended David to everyone I know, and will continue to do so."

Charles P. (Darien, Illinois)


"I have dealt with many loan officers over the past 25 years. I am a real estate broker and will use David Bernat any chance I get. He was exceptional and made my own transaction very easy and extremley stress free."

Norine T. (Clarendon Hills, Illinois)


"Excellent customer service, follow up was prompt and fast. Messages were returned right away. We were very happy with the service we received."

Burhan & Livia M. (Aurora, Illinois)


"Excellent staff. David Bernat is very efficient and he really cares about his clients. It shows and that's what makes him different/better than other loan officers. I will continue to refer friends and family to him!"

Raul S. (Brookfield, Illinois)


"David Bernat has always been professional, courtious, and available anytime I needed answers. He is extremely helpful & knowledgeable. I wouldn't trust anyone else to handle my mortgage."

Laura H. (Plainfield, Illinois)


"Special kudos to David Bernat for spotting an $1,800.00 error the Title Company made. He brought this up at the closing and they issued a check immediately. Job well done!"

Frank G. (Lisle, Illinois)


"Dealing with David Bernat gave me confidence! He's really a great leader! He was timely, responsive and educational."

Janice H. (Chicago, Illinois)


"David Bernat was excellent - very thorough, and approachable with questions. Nice touch for him to be at the closing. He returned phone calls...extremely prompt. Great to work with!"

John T. (Oak Park, Illinois)


"Don't change anything - Dave was great - everyone was amazed at how easy it was for me to get approved and close!"

Gabrielle M. (Brookfield, Illinois)


"Mr. Bernat was very professional and I will continue to highly recommend him to everyone I know!"

Mike U. (Berkeley, Illinois)


"I was very pleased with the all-around service and communication with David Bernat. David is very personable and great to do business with."

Marguerite M. (Brookfield, Illinois)


"Hold on to David Bernat- very courteous, knowledgeable, professional and fast call back time."

Claudia H. (Oak Park, Illinois)


"David Bernat was just great. We are so grateful, especially to him, but also to everyone else who helped us get into our very first home. Thank you all!"

Thomas & Jennifer E. (Berwyn, Illinois)


"I really appreciate how responsive and proactive David was. I felt like I was really being taken care of."

Joan S. (Oak Park, Illinois)


"David was super prompt in return calls on any voicemail I left him! Very knowledgeable, helpful, and thorough."

Ronald C. (LaGrange Park, Illinois)


"I really felt I was served extremely well. David always called back immediately and was very reassuring when I had concerns. The process went smoothly and I felt I was in good hands."

Sharon J. (River Forest, Illinois)


"David Bernat did an excellent job. He was fundamental in every step of the process. He's an excellent originator who's always looking to help you."

Carmen V. (Joliet, Illinois)


"David Bernat is the best! I had total confidence throughout the process and he stood behind everything he said."

Timothy G. (Oak Park, Illinois)


"David Bernat is an all around good mortgage banker who respects his clients and wants to help them do well with their mortgages."

James B. (Forest Park, Illinois)


"David's superior skills and professionalism made this an easy, painless process!"

Sheila J. (Forest Park, Illinois)


"I recommend David Bernat as a reliable, hard working originator who delivered my mortgage in a very tight time frame."

Ira A. (St. Charles, Illinois)


"David Bernat stands out exemplifying his professional attitude and knowledge of the mortgage business."

David C. (LaGrange, Illinois)


"We refer whenever we can! David Bernat is fantastic!"

Heather H. & Phillip P. (Naperville, Illinois)


"Very impressed by our loan officer David Bernat...easiest closing we have experienced."

James & Patricia G. (Littleton, Colorado)


"Mr. Bernat is truly the best Loan Officer I have delt with in the past 10 years. He is prompt, professional, and above all, a great resource in the mortgage business. I recommend Mr. Bernat everytime there is a need for a great, reliable mortgage professional. Great Work! THANK YOU!"

George & Sonja P. (Park Ridge, Illinois)


"Thank you to David Bernat & team for a smooth refinance. David is very knowledgeable and helpful."

Preston & Mary S. (Crest Hill, Illinois)


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