A source-backed view of Washington mortgage-market activity, DFI Consumer Services enforcement with exact NMLS identity, and current WSHFC homebuyer programs. This is not a ranking, recommendation, or Trust Score. There is no current live Washington mortgage-company roster in this snapshot.
Local catalog pages remain at /local-lenders/washington. Those pages are not this official-source intelligence snapshot. No Washington county or city routes are published from this page.
Snapshot metrics
286,871
Universe · HMDA applications
2025 HMDA applications for properties located in Washington. Not a count of Washington-licensed mortgage companies.
Bounded DFI HTML table rows. Order count is not quality. Not the 2025 year-end 91-action statistic.
39
Geography · Counties in HMDA geography
All 39 Washington counties in this HMDA extract. County is property location, not a ranking.
2025
As-of · HMDA vintage
HMDA reporting vintage. DFI year-end aggregates are 2025-12-31.
Market findings
2025 HMDA recorded 286,871 applications, 174,653 originations, and 44,562 denials for properties located in Washington (15.53% denial rate). That is not a license count.
Purchase applications are 41.80% of the file and refinance applications are 34.44%. Conventional applications are 80.96%. Denial-reason fields are not in this extract.
All 39 Washington counties are in this HMDA geography, sorted alphabetically on this page. No Washington county or city routes are published.
DFI Consumer Services published a bounded HTML table of 777 recent enforcement rows. 102 carry an exact NMLS ID (152 distinct NMLS values). 675 are name-only and stay at event grain — UNSAFE_FOR_ADVERSE_PROFILE_ATTACH. Order count is not quality.
DFI year-end reported entities as of 2025-12-31 include 354 mortgage brokers and 1,104 consumer loan companies. Those are not current live licensed-lender totals. Active MLOs (20,126) are people, not companies, and are not a public person directory.
CFPB recorded 10,340 Washington mortgage complaint rows. A complaint is not a violation and is not a company ranking.
2025 Washington mortgage market
HMDA is a mortgage-application filing extract for properties located in Washington. It is not a Washington DFI license roster, not a quality ranking, and the denial rate does not prove discrimination. An HMDA reporter is not a Washington-licensed company. A Washington office or HQ on an HMDA reporter is geography, not licensing.
286,871
Applications
HMDA 2025, properties in Washington.
174,653
Originations
44,562
Denials
15.53%
Denial rate
Denials ÷ applications in this extract. Not quality and not a discrimination finding.
Trace this number
Source
Committed HMDA Washington partition data/hmda/by-state/WA/county_market_summary.csv. Properties located in Washington. Not a second national download.
Source date
HMDA 2025
Denominator
286,871 applications
Calculation
denials / applications * 100, rounded to 2 decimals
Reporting grain
State overlay from 39 county rows
Coverage
ACQUIRED_CURRENT_SNAPSHOT
Caveat
HMDA is a mortgage-application filing extract for properties located in Washington. It is not a Washington DFI license roster, not a quality ranking, and the denial rate does not prove discrimination. An HMDA reporter is not a Washington-licensed company. A Washington office or HQ on an HMDA reporter is geography, not licensing.
Applications compared with originations and denials
Applications286,871
Originations174,653
Denials44,562
Loan purpose (applications)
Purchase applications119,915
Refinance applications98,796
Loan type (applications)
Conventional (80.96%)232,245
FHA (9.81%)28,153
VA (8.97%)25,731
USDA / other (0.26%)742
Not present in the committed 2025 WA county summary extract.
County market table
Counties present in the committed Washington HMDA geography, sorted alphabetically. No Washington county routes are published from this page. Denial rate is not a county ranking.
2025 HMDA activity for Washington counties in this extract. Denial rate is not a quality ranking. County names are not links.
County
Applications
Originations
Denials
Denial rate
Purchase %
Refinance %
Adams
504
269
100
19.84%
38.69%
37.90%
Asotin
811
510
99
12.21%
39.70%
39.83%
Benton
8,612
5,498
1,200
13.93%
46.78%
33.01%
Chelan
2,974
1,738
523
17.59%
44.05%
32.72%
Clallam
2,731
1,689
384
14.06%
46.10%
35.37%
Clark
20,783
12,785
3,183
15.32%
41.64%
30.96%
Columbia
180
99
29
16.11%
43.89%
40.00%
Cowlitz
5,326
3,302
766
14.38%
40.61%
36.46%
Douglas
1,648
1,018
264
16.02%
43.63%
33.43%
Ferry
190
93
40
21.05%
31.05%
40.53%
Franklin
3,322
2,013
578
17.40%
43.05%
33.44%
Garfield
101
50
25
24.75%
47.52%
26.73%
County is the HMDA property-location county. This table is not a county page and is not a ranking. Washington has 39 counties; this extract includes all 39. A county is market context only.
Who regulates Washington mortgage companies?
Washington DFI Division of Consumer Services licenses Mortgage Brokers, Consumer Loan Companies, and Mortgage Loan Originators. Escrow agents are a separate DFI class. Depository banks and credit unions are chartered separately. CMS-style federal HMDA filing is not a DFI license. An NMLS ID is not current Washington authority by itself.
How to verify a company or MLO
Mortgage brokers, consumer loan companies, and MLOs verify through NMLS Consumer Access. Escrow and some other DFI classes may use the DFI Licensee Database. Neither search was scraped. This page is not an NMLS shadow directory.
A DFI order is not a CFPB complaint and is not a quality ranking. NOTICE is not a final order. Statement of Charges is not a final finding. Exact NMLS is required for adverse profile attachment. Name-only rows stay at event grain. This bounded HTML table is recent Consumer Services actions, not a complete historical bulk file. The 2025 year-end aggregate of 91 enforcement actions issued is a dated DFI statistic, not this table's row count.
777
Table rows
Not a quality score. Not the 2025 year-end 91-action statistic.
102
Rows with exact NMLS
152 distinct NMLS values. Table does not type institution vs person.
675
Name-only rows
UNSAFE_FOR_ADVERSE_PROFILE_ATTACH. Stay at event grain.
17
Native Type of Order classes
Source-native titles are not collapsed. Notice is not a final order.
Trace this number
Source
https://dfi.wa.gov/enforcement-actions
Source date
2026-09-04T17:15:36Z
Denominator
777 DFI HTML table rows
Calculation
Paged official HTML table. Exact NMLS = NMLS # with 3–12 nonzero digits in the respondent cell.
Reporting grain
enforcement_order
Coverage
ACQUIRED_BOUNDED_HTML_TABLE
Caveat
A DFI order is not a CFPB complaint and is not a quality ranking. NOTICE is not a final order. Statement of Charges is not a final finding. Exact NMLS is required for adverse profile attachment. Name-only rows stay at event grain. This bounded HTML table is recent Consumer Services actions, not a complete historical bulk file. The 2025 year-end aggregate of 91 enforcement actions issued is a dated DFI statistic, not this table's row count.
Row class heuristic (not a DFI native person/company flag): company 42; person 275; mixed 429; unresolved 31. Person rows are not published as a directory.
Native Type of Order (not collapsed)
Consent Order with attached Statement of Charges359
Consent Order165
Final Order with attached Statement of Charges162
Statement of Charges24
Consent Agreement18
Temporary Order to Cease and Desist14
Multi-State Agreement9
Final Order with attached Temporary Order to Cease and Desist6
Final Decision and Order6
Final Order to Cease and Desist3
Final Order2
Amended Final Order2
DFI year-end reported entities
Point-in-time DFI year-end reported entities as of December 31, 2025. Not the current live Washington licensed-lender roster. Loan originators are people and are not a company count and are not a public person directory. Money transmitters and payday lenders are adjacent DFI classes, not added into a mortgage-company total.
354
Mortgage Brokers
As of 2025-12-31. Not a live roster.
1,104
Consumer Loan Companies
As of 2025-12-31. Not a live roster.
20,126
Loan Originators — Active
People, not companies. Not a public person directory.
33
Escrow Agents
Separate DFI class. Not added to brokers + consumer loan companies.
91
Enforcement actions issued (2025 year-end)
Dated DFI statistic. Not this page's HTML table row count.
Official Stats at a Glance table as of December 31, 2025.
Reporting grain
annual dated aggregate
Coverage
ACQUIRED_DATED_SNAPSHOT
Caveat
Point-in-time DFI year-end reported entities as of December 31, 2025. Not the current live Washington licensed-lender roster. Loan originators are people and are not a company count and are not a public person directory. Money transmitters and payday lenders are adjacent DFI classes, not added into a mortgage-company total.
Current Washington mortgage-company roster
Missing live roster is unknown, not zero. Search-only is not zero. Do not display a fake current license count. DFI year-end reported entities are a dated snapshot, not this live denominator. NMLS Consumer Access and the DFI licensee database were not scraped.
SOURCE_NOT_ACQUIRED / OPEN_SEARCH_ONLY
WASHINGTON_LIVE_COMPANY_ROSTER
Live licensed-company denominator is UNKNOWN. Missing is not zero. Search-only is not zero.
Washington homebuyer assistance
WSHFC / Here to Home do not replace a mortgage underwriting decision. Buyers apply through a Commission-trained participating lender. Program participation is not a DFI license and is not a TrustHub endorsement. City or county local DPA is not inventoried on this state page.
Home Advantage / Home Advantage DPA
Washington State Housing Finance Commission · Commission first mortgage with down-payment assistance options described on official Here to Home pages
Headline amount / formula: Official Here to Home DPA page: Home Advantage DPA offers 3%, 4%, or 5% of the first-mortgage loan amount at 0% interest. Confirm current options with a participating lender.
Eligibility: Official page: first-time homeownership is not required for Home Advantage DPA. Owner-occupied principal residence. Household income must not exceed the official statewide cap published on the page. Homebuyer education is part of the Commission path.
Income / purchase limits: Official DPA page lists a statewide household-income cap; confirm the current dollar figure on heretohome.org. Not restated here as a guaranteed underwriting limit.
Approved-lender requirement: Yes
Status: Documented on official WSHFC / Here to Home pages retrieved this snapshot.
Washington State Housing Finance Commission · Needs-based down-payment assistance paired with the Home Advantage first mortgage, as described on the official DPA page
Headline amount / formula: Official DPA page: up to $10,000 at 1% simple interest. Confirm current terms with a participating lender.
Eligibility: Lower household-income path than standard Home Advantage DPA, with county-group income figures on the official page. Eligibility is not approval.
Income / purchase limits: Official page publishes separate King/Snohomish vs other-county income figures. Confirm current tables on heretohome.org.
Approved-lender requirement: Yes
Status: Documented on official Here to Home pages retrieved this snapshot.
Washington State Housing Finance Commission · Below-market first mortgage with House Key Opportunity DPA for eligible first-time buyers
Headline amount / formula: Official DPA page: House Key Opportunity DPA of up to $15,000 at 1% simple interest. Acquisition-cost and income limits apply.
Eligibility: Aimed at first-time buyers (or Target Area exceptions as published). Two income tests and acquisition-cost limits are described on official job aids. Confirm current county tables.
Income / purchase limits: County-group income and acquisition-cost limits are published by WSHFC and change. Confirm on official materials; not copied here as a guarantee.
Approved-lender requirement: Yes
Status: Documented on official Here to Home pages retrieved this snapshot.
Washington State Housing Finance Commission · Down-payment and closing-cost assistance loan described on official Covenant pages
Headline amount / formula: Official program materials describe a 0% interest second loan; confirm current maximum and any forgiveness path on HeretoHome.org/Covenant.
Eligibility: Specialized statutory eligibility tied to the Covenant Homeownership Act study. First-time homebuyer rules and income limits apply as published. Not a general statewide DPA substitute.
Income / purchase limits: County income limits are published on the official Covenant page. Confirm current figures.
Approved-lender requirement: Yes
Status: Documented on official Here to Home / Covenant pages retrieved this snapshot.
Washington State Housing Finance Commission · Veterans-specific down-payment assistance listed on the official Here to Home DPA page
Headline amount / formula: Confirm current amount and pairing rules on the official Veterans program page. Not restated here as a guaranteed dollar award.
Eligibility: Veteran / military eligibility as published by WSHFC. Program availability is not borrower approval.
Income / purchase limits: Confirm official income/purchase rules on the Veterans page.
Approved-lender requirement: Yes
Status: Documented on official Here to Home pages retrieved this snapshot.
Program terms change. Eligibility is not guaranteed approval. Headline amounts are official-page formulas, not a promise of funds. Seattle / King / other local programs are out of scope.
Regulator / credential matrix
An HMDA reporter is not a Washington licensee. An NMLS ID is not proof of current Washington authority by itself. Program participation is not an endorsement. An MLO person is not a lender company.
What each Washington mortgage credential proves and does not prove.
Credential
What it is
Regulator
What it proves
What it does not prove
HMDA reporter
Institution that filed HMDA loan/application records for Washington property location
CFPB / FFIEC HMDA
Reported application/origination activity in this vintage
Washington DFI license, current NMLS authority, or WSHFC program participation
NMLS ID
Nationwide Multistate Licensing System identifier when source-native
NMLS (system of record display; not a Washington regulator)
A stable identifier when printed by the source
Current Washington authority by itself, or whether the ID is an institution, branch, or person
Mortgage Broker
Company licensed under the Mortgage Broker Practices Act
Washington DFI Division of Consumer Services
DFI mortgage-broker class as of a stated evidence clock when a live record is verified in NMLS Consumer Access
HMDA reporter status, consumer-loan authority, or MLO person credential
Consumer Loan Company
Company licensed under the Consumer Loan Act; may originate or service mortgage and non-mortgage consumer loans
Washington DFI Division of Consumer Services
DFI consumer-loan class as of a stated evidence clock when verified in NMLS Consumer Access
That the company is only a mortgage lender, or a live company census
Mortgage Loan Originator
Individual originator licensed through NMLS and sponsored as applicable
Washington DFI via NMLS display
Individual originator credential path when source-native
A company license. This site does not publish an MLO person directory
Escrow Agent
DFI-licensed escrow agent; verification may use the DFI Licensee Database rather than NMLS
Washington DFI
Escrow-agent class when a live DFI record is verified
Mortgage-broker or consumer-loan authority
Depository Bank / Credit Union
Bank, savings bank, or credit union operating under a prudential charter
FDIC / NCUA / DFI Division of Banks or Credit Unions as applicable
Charter identity when source-native (FDIC CERT, NCUA, RSSD)
DFI mortgage-broker or consumer-loan license
Mortgage servicer activity
Servicing of residential mortgage loans; often under the Consumer Loan Act when nonbank
Washington DFI Division of Consumer Services when licensed as a consumer-loan company
Servicing activity only when a source-native license/order says so
A complete current servicer roster. No loan-level statewide servicing file was acquired
Money Transmitter
DFI money-transmitter class listed on year-end stats; adjacent, not a mortgage-company substitute
Washington DFI
Year-end reported money-transmitter count when cited as such
Mortgage-broker authority. Not added into a lender total
Program participating lender
Appears on a WSHFC / Here to Home participating-lender path
Washington State Housing Finance Commission
Program-participation listing as of page retrieval
DFI license, endorsement, or TrustHub recommendation
CFPB Washington mortgage complaints
Complaint is not a violation. Raw complaint count is not a quality ranking and is not exposure-normalized. No company complaint rate is published without an exposure denominator.
hits.total from the public CFPB complaint search API
Reporting grain
statewide product overlay
Coverage
ACQUIRED_CURRENT_SNAPSHOT
Caveat
Complaint is not a violation. Raw complaint count is not a quality ranking and is not exposure-normalized. No company complaint rate is published without an exposure denominator.
Loan modification,collection,foreclosure: 2,680
Trouble during payment process: 2,413
Loan servicing, payments, escrow account: 1,780
Struggling to pay mortgage: 1,276
Applying for a mortgage or refinancing an existing mortgage: 697
Closing on a mortgage: 422
Application, originator, mortgage broker: 417
Settlement process and costs: 216
Year trend (recent calendar years)
Recent-year slices do not sum to the all-time Washington mortgage total. Older years remain in the all-time overlay.
2019563
2020543
2021587
2022475
2023422
2024469
2025510
2026416
HMDA application volume (not a license ranking)
Largest by HMDA application volume in this Washington property-location dataset. HMDA reporter is not a Washington licensee. NMLS is shown only when already mapped in the committed exact LEI-to-NMLS file. LEI, NMLS, FDIC CERT, and RSSD stay separate.
HMDA reporter
Applications
Originations
Boeing Employees Credit UnionEXACT_LEI_AND_NMLS
21,599
13,589
Rocket Mortgage, LLCEXACT_LEI_AND_NMLS
14,497
10,611
United Wholesale Mortgage, LLCEXACT_LEI_AND_NMLS
13,770
10,462
GUILD MORTGAGE COMPANY LLCEXACT_LEI_AND_NMLS
8,281
5,691
AmeriHome Mortgage Company, LLCEXACT_LEI_AND_NMLS
7,827
5,796
MOVEMENT MORTGAGE, LLCEXACT_LEI_AND_NMLS
7,472
5,559
Bank of America, National AssociationEXACT_LEI_AND_NMLS
6,986
3,420
CROSSCOUNTRY MORTGAGE, LLCEXACT_LEI_AND_NMLS
6,903
4,877
U.S. Bank National AssociationEXACT_LEI_AND_NMLS
6,564
3,524
Newrez LLCEXACT_LEI_AND_NMLS
5,849
2,702
PENNYMAC LOAN SERVICES, LLCEXACT_LEI_AND_NMLS
5,091
2,953
Navy Federal Credit UnionEXACT_LEI_AND_NMLS
4,527
2,289
JPMorgan Chase Bank, National AssociationEXACT_LEI_AND_NMLS
4,293
2,816
WASHINGTON STATE EMPLOYEES CREDIT UNIONEXACT_LEI_MAPPED
4,246
2,088
FREEDOM MORTGAGE CORPORATIONEXACT_LEI_AND_NMLS
3,654
1,518
Public business contacts
Zero contact fields from search-only license pages is a coverage gap, not a finding that Washington lenders have no phones.
DFI enforcement HTML table has no phone, email, website, or address fields.
Official/public business sources only. No internet enrichment. No person contact information.
Evidence depth
Family
Agency
As of
Grain
Count
Identity
Limitation
HMDA
CFPB / FFIEC HMDA
HMDA 2025
state_and_county
286,871 applications / 39 counties
HMDA LEI for reporters; county FIPS for geography
HMDA is a mortgage-application filing extract for properties located in Washington. It is not a Washington DFI license roster, not a quality ranking, and the denial rate does not prove discrimination. An HMDA reporter is not a Washington-licensed company. A Washington office or HQ on an HMDA reporter is geography, not licensing.
DFI license verification
Washington DFI / NMLS
Unknown / search-only
not acquired as a bulk roster
UNKNOWN / SOURCE_NOT_ACQUIRED
NMLS ID when a live search returns one
Missing live roster is unknown, not zero. Search-only is not zero. Do not display a fake current license count. DFI year-end reported entities are a dated snapshot, not this live denominator. NMLS Consumer Access and the DFI licensee database were not scraped.
Report aggregate only; MLO people are not a company count
Point-in-time DFI year-end reported entities as of December 31, 2025. Not the current live Washington licensed-lender roster. Loan originators are people and are not a company count and are not a public person directory. Money transmitters and payday lenders are adjacent DFI classes, not added into a mortgage-company total.
DFI enforcement
Washington Department of Financial Institutions, Division of Consumer Services
2026-09-04T17:15:36Z
enforcement_order
777 table rows / 102 exact NMLS
Exact NMLS when source-native; name-only is UNSAFE_FOR_ADVERSE_PROFILE_ATTACH
A DFI order is not a CFPB complaint and is not a quality ranking. NOTICE is not a final order. Statement of Charges is not a final finding. Exact NMLS is required for adverse profile attachment. Name-only rows stay at event grain. This bounded HTML table is recent Consumer Services actions, not a complete historical bulk file. The 2025 year-end aggregate of 91 enforcement actions issued is a dated DFI statistic, not this table's row count.
CFPB complaints
Consumer Financial Protection Bureau
2026-09-04T17:16:45Z
mortgage product, state = WA
10,340
Statewide overlay; not a company ranking
Complaint is not a violation. Raw complaint count is not a quality ranking and is not exposure-normalized. No company complaint rate is published without an exposure denominator.
WSHFC programs
Washington State Housing Finance Commission
2026-09-04T17:16:28Z
program
7
Official program name
Program terms change. Eligibility is not guaranteed approval. Headline amounts are official-page formulas, not a promise of funds. Seattle / King / other local programs are out of scope.
Depository overlay
FDIC (existing national overlay)
Existing committed FDIC Washington file
FDIC CERT
30
FDIC CERT when source-native
A Washington-headquartered FDIC-insured bank is a depository overlay, not a DFI mortgage-broker license. HMDA reporters include depositories and nonbanks. Do not call every HMDA reporter a DFI-licensed lender. NCUA credit-union overlay is not restated as a DFI class here.
Foreclosure / servicing source
n/a
Unknown
not acquired
Unknown / not acquired
none
No county recorder, deed, or trustee-sale crawl was performed. Missing statewide foreclosure structure is unknown, not zero. A consumer foreclosure-help page is not a structured statewide dataset.