Wisconsin is a title to lien holder (lender) state. This means that any title with a lien (loan) listed on or after July 30, 2012, will be sent to the lien holder rather than the owner.
For vehicle owners, Wisconsin titles will be delivered to all lien holders: in-state, out-of-state, lending institutions, and/or individuals who are listed as a secured party (lien holder) on the Wisconsin title.
Records maintained by the Division of Motor Vehicles (DMV) are the official vehicle title records.
The DMV maintains title information in an electronic format. Additionally, the DMV considers any record maintained in an electronic format to be the original and controlling record.