U.S. Mortgage Index

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Public institution profile · Bank · Not a recommendation

WaFd Bank

BankSeattle, WAActive

FDIC certificate 28088

Data observedAugust 3, 2026Section records may have different source dates.

Identifiers, verification, and corrections

Stable identifiers

Publication-authorized verified identifiers only. Missing applicable identifiers are shown as unpublished verified matches, not as a finding that no record exists.

FDIC certificate
28088
company ID
Not published — no verified match
More identifiers
Federal Reserve
656377
OCC charter number
Not published — no verified match
Not published — no verified match
Official website
https://www.wafdbank.com

Verify at FDICVerify at FFIEC NIC / regulator

Identity verified through FDIC; additional sources pendingVerification describes the U.S. Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology

Profile notes

This is a descriptive public-record research profile. It is not a recommendation, eligibility decision, product assessment, or rate quote.

Data correction

Institutions or readers may request review when a published field differs from an official source. Provide the relevant official source URL with the request.

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At a glance

Institution type
Bank
Status
Active
Headquarters
Seattle, WA
HMDA activity
Published activity year 2025
Listed branch locations
210
Complaint records
CFPB search status is not currently available.
CRA examinations
Satisfactory, exam March 1, 2026
Institution history
18 published events

What USMI publishes

Public records USMI has matched to this institution. The sections below keep the evidence, the source, and that section's date together.

Institution type
Bank
Status
Active
Headquarters
Seattle, WA
activity
Published activity year 2025
Listed branch locations
210
Complaint records
CFPB search status is not currently available.
CRA examinations
Satisfactory, exam March 1, 2026
Institution history
18 published events

Mortgage FAQ: How can I check whether a company or person can make or broker mortgage loans? This is general mortgage education, not a finding about this institution.

What this profile is not

  • Not a lender recommendation or ranking.
  • Not a mortgage rate sheet or quote.
  • Not an underwriting, approval, or eligibility decision.
  • Not proof of an NMLS license unless a verified NMLS company ID/source is specifically published.
  • Not a complaint-resolution channel.
  • Missing source blocks do not establish that an institution lacks an activity, identifier, license or regulatory record.

HMDA

Mortgage activity

Reported records for the selected year. These figures are not a lender score.

788reported records

299reported originations

2025 reported mortgage activity. Source: HMDA.

HMDA2025The year selector below shows each published activity year.

Ask about this activity

activity

Mortgage activity reported in HMDA. Public HMDA records are available for 2018–2025.

Geographynationwide

HMDA source observed2026-08-09

HMDA records

788

2025

Loan originations

299

2025

Denials

71

2025

Withdrawals

120

2025

Denial rate among decisioned applications

18.8%

2025

Annual history

Scroll sideways to review every HMDA column.

Annual HMDA activity history
YearHMDA recordsOriginationsApproved but not acceptedDenialsWithdrawalsDenial rate
202578829987112018.8%
20243,8281,6412670382129.7%
20234,6221,950339031,10231.3%
20228,2063,903651,3371,57625.2%
20219,6684,380931,0731,67819.3%
20208,8974,632831,3921,58022.8%
20197,1183,526651,4031,21728.1%
20187,0963,662691,5471,07329.3%

Detailed activity

Loan type and purpose

Loan type and purpose breakdown for 2025
CategoryHMDA records
Conventional788
FHA0
VA0
RHS / FSA0
Home purchase437
Home improvement107
Refinancing16
Cash-out refinancing81

State reporting

10 states / territories reported

How to read these figures

HMDA records include applications, originations, purchased loans and other reportable actions. The total number of HMDA records is not the same as the number of mortgages originated. The displayed denial rate uses decisioned applications: originations, approved but not accepted, and denials.

CFPB

CFPB consumer submissions

Complaints are consumer submissions and are not findings of wrongdoing.

CFPBComplaint coverage dates are shown with the records. They are not the profile observed date.

Ask about these complaints

CFPB Mortgage Complaint Activity

Current USMI CFPB mortgage complaint coverage begins December 1, 2012. Data through August 20, 2026.

Total CFPB mortgage complaint records

103

Coverage start

December 1, 2012

Data through

August 20, 2026

Annual activity

CFPB mortgage complaint records by year
YearComplaint records
201311
201411
201513
201615
20176
20187
20195
20206
20217
20228
20234
20245
20252
20263

Leading issues

  1. Loan servicing, payments, escrow account

    None

    18

  2. Loan modification,collection,foreclosure

    None

    17

  3. Trouble during payment process

    None

    17

  4. Applying for a mortgage or refinancing an existing mortgage

    None

    11

  5. Application, originator, mortgage broker

    None

    8

View all issues (15)

  1. Closing on a mortgage

    None

    8

  2. Settlement process and costs

    None

    6

  3. Credit decision / Underwriting

    None

    4

  4. Struggling to pay mortgage

    None

    4

  5. Trouble during payment process

    Trying to communicate with the company to fix an issue while managing or servicing your loan

    4

  6. Struggling to pay mortgage

    Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

    2

  7. Applying for a mortgage or refinancing an existing mortgage

    Delays in the application process

    1

  8. Trouble during payment process

    Interest rate

    1

  9. Trouble during payment process

    Loan sold or transferred to another company

    1

  10. Trouble during payment process

    Payment process

    1

States

  1. Washington

    38

  2. California

    15

  3. Arizona

    14

  4. Oregon

    8

  5. New Mexico

    5

View all states (16)

  1. Nevada

    4

  2. Utah

    4

  3. Idaho

    3

  4. Illinois

    3

  5. Texas

    3

  6. Florida

    1

  7. Minnesota

    1

  8. Missouri

    1

  9. New York

    1

  10. None

    1

  11. Tennessee

    1

Company response

  1. Closed with explanation

    93

  2. Closed with monetary relief

    9

  3. Closed

    1

Timely response

Timely-response figures are a count distribution as reported to CFPB, not a score.

  1. Yes

    103

How to read these figures

Complaint volume is context. It is affected by company size, servicing volume, time in market and consumer awareness. It is not proof of wrongdoing. CFPB complaint records are submissions received by the Consumer Financial Protection Bureau. Complaint volume does not establish misconduct or wrongdoing. Counts can be influenced by company size, mortgage servicing volume, time in operation, consumer awareness and reporting, and corporate reporting structure. U.S. Mortgage Index does not treat complaint allegations as independently verified facts.

Read the methodology

Learn more: What can I do if I think a mortgage lender discriminated against me? This is general mortgage education, not a finding about this institution.

Regulatory records

Regulatory & institutional records

Only records that apply to this institution are shown. Identifiers stay as published.

FFIEC NICAugust 19, 2026Observed date for the NIC institution record.

Ask about this regulatory record

Institution identity

FDIC BankFind baseline

FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.

Legal name
WaFd Bank
Display name
WaFd Bank
Institution status
Active
FDIC insured
Yes
FDIC insured since
August 9, 1989
Established date
January 1, 1917
Charter class
State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
Primary federal regulator
Federal Deposit Insurance Corporation
Headquarters
Seattle, WA, 98101, United States
Website
https://www.wafdbank.com
FDIC certificate number
28088
Federal Reserve
656377
Domestic location count
213
Source observed
August 3, 2026

Regulatory information

Regulatory profile

Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.

Regulatory identity

Institution status
ACTIVE
Primary federal regulator
FDIC
Institution type
Non-member Bank
Primary activity
NAICS 52211
FDIC certificate
28088
Federal Reserve
656377
D38AC76TAMYI50NBPX33
Headquarters
425 Pike Street, Seattle, WA, 98101, United States
Primary deposit insurer
Deposit Insurance Fund (DIF)
Source observed
August 19, 2026

Community Reinvestment Act (CRA)

Latest available CRA evaluation

Rating
Satisfactory
Exam date
March 1, 2026
Regulator
FDIC
Examination method
Large Bank Exam

This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.

CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.

Historical CRA evaluations

Scroll sideways to see every CRA examination column.

Historical CRA evaluations
Exam dateCRA ratingRegulatorExamination method
March 1, 2026SatisfactoryFDICLarge Bank Exam

Read the methodology

Formal hierarchy

FFIEC NIC hierarchy rows

8

Showing 1 through 8 of 8 relationship records

FFIEC NIC organizational relationships
RelationshipInstitutionTypeLocation
Direct relationshipPIKE STREET LABS, INC.Domestic Entity OtherRedmond, WA
Direct relationshipRAYMOND JAMES HOUSING OPPORTUNITIES FUND 76 LLCDomestic Entity OtherSaint Petersburg, FL
Direct relationshipSTATEWIDE MORTGAGE SERVICES COMPANYDomestic Entity OtherSeattle, WA
Direct relationshipURBAN HOUSING VENTURES III, LLCDomestic Entity OtherSeattle, WA
Direct relationshipWAFD EMPLOYERS BOLI TRUSTDomestic Entity OtherWilmington, DE
Direct relationshipWAFD INSURANCE GROUP, INC.Domestic Entity OtherLa Conner, WA
Direct relationshipWASHINGTON SERVICES, INC.Domestic Entity OtherSeattle, WA
ROOT_INSTITUTIONWAFD BANKNon-member BankSeattle, WA

These rows are the FFIEC NIC formal hierarchy. They are not branch locations and they are not the separate institution-relationship records.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

Additional profile fields

Fields below supplement the primary source baseline and are shown only when present on the public profile.

Entity type
FDIC-insured state-chartered nonmember bank

Locations

Branch and office locations

Start with the published count and primary location. Search stays paged so the first view stays readable.

FFIEC NIC branchesAugust 19, 2026Branch rows are paged. Filters stay in the page address.

Ask about these locations

Branch locations

Listed locations from FFIEC NIC. Counts use the published branch record, not a store locator.

Branch network

Listed locations

210

Showing 151 through 200 of 210 listed locations

Scroll sideways to see every branch column.

Showing 151 through 200 of 210 FFIEC NIC branch locations
BranchAddressCityStatePostal code
BURLINGTON BRANCH300 East Fairhaven AvenueBurlingtonWA98233
CENTRALIA BRANCH110 North Pearl StreetCentraliaWA98531
CHELAN BRANCH101 East Johnson AvenueChelanWA98816-9697
CHEWELAH BRANCH108 North Park StreetChewelahWA99109-8969
CLARKSTON BRANCH748 Sixth StreetClarkstonWA99403-2006
CLE ELUM BRANCH103 East First StreetCle ElumWA98922-1101
COLVILLE BRANCH225 East First AvenueColvilleWA99114-2803
DEER PARK BRANCH16 North Main StreetDeer ParkWA99006-9998
EASTSOUND BRANCH35 Main StreetEastsoundWA98245
EDMONDS BRANCH229 Main StreetEdmondsWA98020
EVERETT BRANCH9929 Evergreen WayEverettWA98204
MURPHYS CORNER BRANCH12830 Bothell Everett HighwayEverettWA98208
FEDERAL WAY BRANCH2020 320th Street, Suite AFederal WayWA98003
FERNDALE BRANCH2045 Main StreetFerndaleWA98248
ISSAQUAH BRANCH855 Rainier Boulevard NorthIssaquahWA98027
TRI-CITIES BRANCH5331 West Canal DriveKennewickWA99336
KENT BRANCH25812 104th Avenue SEKentWA98030
JUANITA BRANCH13633 100th Avenue NortheastKirklandWA98034
KIRKLAND AVENUE BRANCH116 Kirkland AvenueKirklandWA98033
LA CONNER BRANCH620 Morris StreetLa ConnerWA98257
LACEY BRANCH4110 Pacific Avenue SoutheastLaceyWA98503
LEAVENWORTH BRANCH708 Highway 2LeavenworthWA98826
LYNDEN BRANCH300 Grover StreetLyndenWA98264
LYNNWOOD BRANCH5809 196th South WestLynnwoodWA98036
MARYSVILLE BRANCH3617 88th Street NortheastMarysvilleWA98270
MERCER ISLAND BRANCH7633 Southeast 27th StreetMercer IslandWA98040
MONROE BRANCH19265 State Route 2MonroeWA98272
MOSES LAKE BRANCH103 East Third AvenueMoses LakeWA98837
MOUNT VERNON BRANCH1501 Riverside DriveMount VernonWA98273
NEWPORT (WA) BRANCH224 South Washington StreetNewportWA99156
ODESSA BRANCH105 West First AvenueOdessaWA99159-9700
OLYMPIA BRANCH1540 Cooper Point Road, Sw, Suite 500OlympiaWA98502
OMAK BRANCH21 West Bartlett AvenueOmakWA98841
POULSBO BRANCH18960 Highway 305 Northeast, Suite 140PoulsboWA98370
PULLMAN BRANCH405 E Main StreetPullmanWA99163
PUYALLUP SOUTH HILL BRANCH15610 Meridian EPuyallupWA98375
QUINCY BRANCH500 Central Avenue SouthQuincyWA98848
REDMOND WAY BRANCH16900 Redmond WayRedmondWA98052
REPUBLIC BRANCH702 South Clark AvenueRepublicWA99166
SAMMAMISH BRANCH336 228th Avenue Northeast, Suite 100SammamishWA98074
BALLARD BRANCH2020 North West Market StreetSeattleWA98107
BEACON HILL BRANCH2800 Beacon Avenue SouthSeattleWA98144
COLUMBIA CITY BRANCH4800 Rainier Avenue SouthSeattleWA98118
CROWN HILL BRANCH8747 Holman Road North WestSeattleWA98117
MAGNOLIA BRANCH3219 West Mcgraw StreetSeattleWA98199
NORTHGATE BRANCH10712 5th Avenue Northeast Suite ASeattleWA98125
RAINIER BEACH BRANCH9325 Rainier Avenue SouthSeattleWA98118
SEATTLE - DAKOTA AND CALIFORNIA BRANCH4102 California Avenue SouthwestSeattleWA98116
SEATTLE - INTERNATIONAL DISTRICT BRANCH601 South Jackson StreetSeattleWA98104
WEDGEWOOD BRANCH7334 35th NortheastSeattleWA98115

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

History

Institution history

Events are listed by date. The source event type is kept with the record.

HistoryAugust 19, 2026Event dates come from the source row. The observed date is when USMI reviewed the file.

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Institution history

History events from FFIEC NIC, newest first. USMI does not add a merger or failure narrative.

Institutional history

FFIEC NIC history events

18

Showing 1 through 18 of 18 history events

FFIEC NIC institutional history events
Event dateEvent typeRelated institution
March 1, 2024Charter Discontinued (Merger or Purchase & Assumption)—
November 14, 2015Charter Discontinued (Merger or Purchase & Assumption)FIRST MUTUAL SALES FINANCE, INC.
November 1, 2012Charter Discontinued (Merger or Purchase & Assumption)—
December 17, 2011Failure - Government Assistance ProvidedWESTERN NATIONAL BANK
October 15, 2011Charter Discontinued (Merger or Purchase & Assumption)—
January 9, 2010Failure - Government Assistance ProvidedHORIZON BANK
February 2, 2008Charter Discontinued (Merger or Purchase & Assumption)—
February 13, 2007Charter Discontinued (Merger or Purchase & Assumption)—
September 1, 2003Charter Discontinued (Merger or Purchase & Assumption)—
November 30, 1996Charter Discontinued (Merger or Purchase & Assumption)METROPOLITAN FEDERAL SAVINGS AND LOAN ASSOCIATION OF SEATTLE
May 14, 1994Failure - Government Assistance ProvidedGREAT AMERICAN FEDERAL SAVINGS ASSOCIATION
March 13, 1993Charter Discontinued (Merger or Purchase & Assumption)FIRST FEDERAL SAVINGS BANK
September 4, 1991Charter Discontinued (Merger or Purchase & Assumption)FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION OF IDAHO FALLS
June 23, 1990Failure - Government Assistance ProvidedFAMILY FEDERAL SAVINGS ASSOCIATION
September 16, 1988Charter Discontinued (Merger or Purchase & Assumption)FREEDOM FEDERAL SAVINGS AND LOAN ASSOCIATION
August 27, 1988Charter Discontinued (Merger or Purchase & Assumption)NORTHWEST FEDERAL SAVINGS AND LOAN ASSOCIATION
July 7, 1987Charter Discontinued (Merger or Purchase & Assumption)PROVIDENT FEDERAL SAVINGS AND LOAN ASSOCIATION
July 7, 1987Charter Discontinued (Merger or Purchase & Assumption)UNITED FIRST FEDERAL SAVINGS AND LOAN ASSOCIATION

These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.

FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.

SourcesEach source keeps its own observed date. Dates are not combined into one profile date.

Ask about these sources

Sources & methodology

Sources are shown as recorded in the published public views. Observed dates describe when a public record was reviewed, not a real-time update.

CFPB Consumer Complaint Database search

Consumer Financial Protection Bureau

Source reviewed2026-08-03

Limitation

Complaint records are consumer submissions. A complaint is not proof of wrongdoing, and absence from this profile is not proof that no complaint exists elsewhere.

Methodology

HMDA modified LAR

Consumer Financial Protection Bureau

Source reviewed2026-08-03

Limitation

HMDA counts describe reported records for the published geography and year. They are not a quality score or a market-rank.

Methodology

Cite this profile

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