Best ITIN Lenders in Wisconsin (2026)
Compare itin lenders serving Wisconsin self-employed borrowers. We found 10 lenders offering itin mortgages in Wisconsin — see rates, LTV, credit requirements, and expert reviews below.
Self-Employed Borrowers in Wisconsin
Wisconsin has a state income tax, and Milwaukee and Madison support diversified economies with active self-employed and contract workforces. Freelancers and small-business owners here often qualify with bank statement or 1099 income programs. Non-QM lenders serve the state.
Key Markets
Typical Rates
8.0%–10.5% (approx.)
Max LTV
Up to 80% (purchase)
Typical Terms
30-year fixed or ARM
Min Credit
600–660 (or alt-credit)
ITIN Lenders Serving Wisconsin
| Lender | Rates | Max LTV | Min Credit | Loan Range | Speed | Rating |
|---|---|---|---|---|---|---|
| Griffin FundingFeatured | 7.25%–9.75% | 90% | 620 | $100K–$5M | 21–35 days | 4.5 |
| Angel Oak Mortgage Solutions | 7%–9.75% | 90% | 620 | $100K–$4M | 25–40 days | 4.5 |
| New American FundingFeatured | 7%–9.5% | 90% | 620 | $100K–$5M | 21–40 days | 4.0 |
| Newfi LendingFeatured | 7.25%–9.75% | 90% | 620 | $100K–$4M | 21–35 days | 4.0 |
| Carrington Mortgage Services | 7.25%–10% | 85% | 600 | $100K–$4M | 25–45 days | 4.0 |
| Deephaven Mortgage | 7%–9.75% | 90% | 620 | $100K–$4M | 25–40 days | 4.0 |
| Acra Lending | 7.25%–10% | 90% | 600 | $100K–$4M | 25–45 days | 4.0 |
| A&D Mortgage | 7.25%–9.99% | 90% | 620 | $100K–$5M | 25–45 days | 4.0 |
| LoanStream Mortgage | 7.25%–9.99% | 90% | 620 | $100K–$4M | 25–45 days | 3.5 |
| Champions Funding | 7.25%–10% | 90% | 600 | $100K–$5M | 25–45 days | 3.5 |
Griffin Funding
4.5Griffin Funding is a consumer-direct lender that has built much of its brand around non-QM lending for the self-employed. Borrowers can apply directly online — no broker required — across bank statement, asset-based, 1099, and P&L programs in addition to conventional and VA loans.
7.25%–9.75%
90%
620
21–35 days
$100K–$5M
No experience required
Angel Oak Mortgage Solutions
4.5Angel Oak Mortgage Solutions is one of the largest and most established non-QM lenders in the country, with the broadest self-employed menu in the market. Important for consumers: Angel Oak Mortgage Solutions is a wholesale lender — you cannot apply directly and must work through a mortgage broker.
7%–9.75%
90%
620
25–40 days
$100K–$4M
No experience required
New American Funding
4.0New American Funding (NAF) is one of the largest privately held mortgage lenders in the country, offering a full retail menu that includes non-QM options for self-employed borrowers alongside conventional, FHA, VA, and jumbo loans. Borrowers apply directly through NAF.
7%–9.5%
90%
620
21–40 days
$100K–$5M
No experience required
Newfi Lending
4.0Newfi Lending is a non-QM specialist that operates a genuine consumer-direct retail channel in addition to wholesale. Self-employed borrowers can apply directly for bank statement, asset-utilization, 1099, and ITIN programs without going through a broker.
7.25%–9.75%
90%
620
21–35 days
$100K–$4M
No experience required
Carrington Mortgage Services
4.0Carrington Mortgage Services is a vertically integrated lender and servicer with a deep non-prime and non-QM focus. Its "Flexible Advantage" series targets self-employed and credit-challenged borrowers, and consumers can apply directly through Carrington's retail channel.
7.25%–10%
85%
600
25–45 days
$100K–$4M
No experience required
Deephaven Mortgage
4.0Deephaven Mortgage is a pure non-QM lender (owned by Pretium) that has focused exclusively on alternative-documentation loans since 2012. For consumers, the key point is that Deephaven is wholesale and correspondent only — you reach its programs through a mortgage broker, not directly.
7%–9.75%
90%
620
25–40 days
$100K–$4M
No experience required
Acra Lending
4.0Acra Lending (formerly Citadel Servicing) is one of the oldest and largest dedicated non-QM lenders and an active securitizer. It is a wholesale lender — consumers reach its bank statement, 1099, P&L, ITIN, and other programs through a mortgage broker rather than applying directly.
7.25%–10%
90%
600
25–45 days
$100K–$4M
No experience required
A&D Mortgage
4.0A&D Mortgage is a Florida-rooted, nationwide non-QM specialist serving thousands of broker partners and an active issuer of non-QM securitizations. It is a wholesale and correspondent lender — borrowers reach its full self-employed menu through a mortgage broker.
7.25%–9.99%
90%
620
25–45 days
$100K–$5M
No experience required
LoanStream Mortgage
3.5LoanStream Mortgage offers a well-known non-QM line branded "NanQ," covering bank statement, 1099, P&L, asset, and ITIN programs. The NanQ line is a wholesale staple — consumers reach it through a mortgage broker rather than applying directly.
7.25%–9.99%
90%
620
25–45 days
$100K–$4M
No experience required
Champions Funding
3.5Champions Funding is a 100% non-QM lender and a Treasury-designated Community Development Financial Institution (CDFI), a status that supports more flexible, exception-based underwriting for underserved borrowers. It is a wholesale lender — consumers apply through a mortgage broker.
7.25%–10%
90%
600
25–45 days
$100K–$5M
No experience required
About ITIN Mortgages in Wisconsin
ITIN mortgages let borrowers who use an Individual Taxpayer Identification Number (ITIN) instead of a Social Security number buy or refinance a home. A vital path to homeownership for self-employed taxpayers without an SSN who file and pay taxes.
Wisconsin self-employed borrowers use itin mortgages for borrowers who file taxes with an itin instead of an ssn and self-employed taxpayers without a social security number. Compare itin terms from multiple lenders to find the best fit for your Wisconsin home financing.
Other Loan Types in Wisconsin
ITIN Lenders in Nearby States
Run the Numbers on Your Wisconsin Mortgage
Use our free calculator to see how your Wisconsin home financing works with ITIN qualifying.