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Residential Mortgage Loan Servicers

Residential mortgage loan servicers servicing residential mortgage loans located in Washington must be licensed as a Consumer Loan Company.

Licensing Information

State Examination System

Washington State conducts its examinations through the State Examination System (SES). This is a nationwide system that facilitates standardization of examination information requests and information sharing between states.

The “QuickIR” function in the system allows you to browse through the standard examination information requests sent to companies in preparation for your next compliance examination. To view the requests, click the “Supervisory Activities” tab, then the “SES Examinations and Investigations Resources for Companies” tab, where you will find “QuickIR.” You may also use the “need help” function and search for “QuickIR.” The requests are organized by business activity, such as mortgage lending, mortgage servicing, and mortgage brokering.

Questions can be directed to the Call Center at 1-800-269-6189. If your company has yet to use the system, you will need to request an invitation from csexamsunit@dfi.wa.gov to initiate the access procedures.

Information Security

Laws and Rules

RCW 19.144
Mortgage Lending and Homeownership
RCW 19.52
Washington State Interest/Usury Laws
RCW 31.04
Consumer Loan Act
WAC 208-600
Mortgage Lending and Homeownership
WAC 208-620
Washington Consumer Loan Act