EscrowAudit
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WI · United States

Audit your Wisconsin mortgage escrow statement.

65% of US mortgage escrow accounts came up short by $2,157 on average in 2026 (CNBC). The same RESPA cushion-ceiling math applies in Wisconsin. Wisconsin also requires servicers to credit interest on your escrow balance — see below.

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Wisconsin interest law

Servicers must credit interest on your escrow.

Lenders must pay at least 5.25% per year on escrow balances.

Statutory rate

5.25% (statutory floor)

Wis. Stat. § 138.052(5)

Wisconsin signals · CFPB data

Top 5 servicers by escrow-related complaints in Wisconsin.

149 total mortgage complaints in the last six months; 48 reference escrow shortage, RESPA, cushion, property tax, or hazard-insurance disputes. Source: CFPB Consumer Complaint Database.

  1. 01Rocket Mortgage
    8
  2. 02Mr. Cooper Group Inc.
    5
  3. 03Shellpoint Partners
    4
  4. 04Ocwen Financial Corporation
    3
  5. 05PENNYMAC LOAN SERVICES
    2

The same audit any homeowner gets — anchored to Wisconsin law where it differs from federal.

Free 90-second self-check first. If the cushion ceiling is violated or any other RESPA rule is broken, run the $39 audit and we generate the Qualified Written Request letter your servicer must answer.

  • Full RESPA audit + math reconciliation
  • QWR letter PDF (Plus tier: we mail it Certified)
  • CFPB + state-AG complaint drafts
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