Consumer Loan Company Licensing

Below you will find information about applying for a consumer loan license and how to add a branch office in Washington.

How To Apply For A Consumer Loan Company License

DFI uses the Nationwide Mortgage Licensing System (NMLS) for all Consumer Loan Licenses. All Consumer Loan Company applications must be submitted through the NMLS. Learn more about the NMLS.

• If Your Company Is Registered With The NMLS

  1. Read our tips for an error free application and our Consumer Loan Company application FAQs.
  2. Review Washington’s Consumer Loan Company Laws & Rules.
  3. Review and follow Washington’s Jurisdiction-Specific Requirements (PDF)*.
  4. Log into your NMLS account.
  5. Add Washington to your License/Registration section of Form MU1.
  6. If you have multiple locations licensed in Washington, you will also need to add Washington to the License/Registration section of Form MU3 for each branch location.
  7. Submit the application to Washington by paying the applicable fees.
  8. Mail the required Washington Jurisdiction-Specific Requirements (PDF)* to DFI.

• If Your Company Is Not Registered With The NMLS

  1. Read our tips for an error free application and our Consumer Loan Company application FAQs.
  2. Review Washington’s Consumer Loan Company Laws & Rules.
  3. Review and follow Washington’s Jurisdiction-Specific Requirements (PDF)*.
  4. Follow all the steps mentioned in the NMLS Getting Started Guide. These steps will walk you through the entire NMLS application process.
  5. Mail the required Washington Jurisdiction-Specific Requirements (PDF)* to DFI.

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How To Add A Consumer Loan Branch Office

1. Read our tips for an error free application and our Consumer Loan Company application FAQs.
2. Review and follow Washington’s Jurisdiction-Specific Requirements (PDF)*.
3. Log into your NMLS account.
4. Create a new MU3 filing and submit the electronic application via the NMLS.
5. Mail the required Washington Jurisdiction-Specific Requirements (PDF)* to DFI.

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Mailing The Requirements To DFI

Please mail the requirements to:

For U.S. Postal Service: Department of Financial Institutions Division of Consumer Services PO Box 41200 Olympia WA 98504-1200

For Overnight Delivery: Department of Financial Institutions Division of Consumer Services 150 Israel Rd SW Tumwater WA 98501

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About The NMLS

DFI uses the NMLS for all Consumer Loan Licenses. The NMLS was developed by the Conference of State Bank Supervisors and the American Association of Residential Mortgage Regulators. The goal of the NMLS is to streamline and improve the licensing process for companies, branches, and individuals that hold licenses in multiple states. Learn more about DFI using the NMLS.

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Contact Us

If you have any questions about consumer loan company licensing, feel free to contact us by phone at 360-902-8703 or toll free at 1-877 RING DFI (746-4334). You may also email us at dcs@dfi.wa.gov.

* This document is a PDF file, and you will need Adobe Acrobat Reader to view it. If you don't already have Acrobat Reader installed on your computer, you may download it for free from Adobe.

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