Wash. Rev. Code » Title 19 · Chapter 19.146
Revised Code of Washington

Wash. Rev. Code § 19.146.005 (2026)

Findings and declaration

✓ current as of May 2026
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The legislature finds and declares that the brokering of residential real estate loans substantially affects the public interest, requiring that all actions in mortgage brokering be actuated by good faith, and that mortgage brokers, designated brokers, loan originators, and other persons subject to this chapter abstain from deception, and practice honesty and equity in all matters relating to their profession. The practices of mortgage brokers and loan originators have had significant impact on the citizens of the state and the banking and real estate industries. It is the intent of the legislature to establish a state system of licensure in addition to rules of practice and conduct of mortgage brokers and loan originators to promote honesty and fair dealing with citizens and to preserve public confidence in the lending and real estate community.
[ 2008 c 108 s 21; 2006 c 19 s 1; 1994 c 33 s 1; 1993 c 468 s 1; 1987 c 391 s 1.]

Notes:

Findings—2008 c 108: See RCW 19.144.005.
Adoption of rules—Severability—1993 c 468: See notes following RCW 19.146.0201.
Effective dates—1993 c 468: See note following RCW 19.146.200.
Notes of Decisions
Cited in 7 cases (1 in the last 5 years), 1999–2023 · leading case: Nationscapital Mortg. Corp. v. Dep't of Fin. Institutions, 133 Wash. App. 723 (Wash. Ct. App. 2006).
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Nationscapital Mortg. Corp. v. Dep't of Fin. Institutions, 133 Wash. App. 723 (Wash. Ct. App. 2006). · cites it 2× “” RCW 19.146.005. The legislature’s stated purpose in regulating mortgage brokers is “to promote honesty and fair dealing with citizens and to preserve public confidence in the lending and real estate community.”
State v. WWJ Corp., 980 P.2d 1257 (Wash. 1999). “RCW 19.146.005 (emphasis added). Johnson's years of illegal mortgage brokering, especially at a time when the demand for such services was high, eroded the public confidence in the business.”
State v. WWJ Corp., 138 Wash. 2d 595 (Wash. 1999). “RCW 19.146.005 (emphasis added). Johnson’s years of illegal mortgage brokering, especially at a time when the demand for such services was high, eroded the public confidence in the business.”
Bryce v. Lawrence (In re Bryce), 491 B.R. 157 (Bankr. W.D. Wash. 2013). “” RCW 19.146.005. A “residential mortgage loan” is defined in part, as a “loan primarily for personal, family, or household use secured by a mortgage or deed of trust on residential real estate.”
Nationscapital Mortg. Corp. v. STATE, DFI, 137 P.3d 78 (Wash. Ct. App. 2006). · cites it 2× “" RCW 19.146.005. The legislature's stated purpose in regulating mortgage brokers is "to promote honesty and fair dealing with citizens and to preserve public confidence in the lending and real estate community.”
In re Bacon, 799 S.E.2d 290 (S.C. 2017). “Wash Rev. Code Ann. §§ 19.146.005 to 19.146.”
Trang Huynh Nguyen, V. Becky Hoang, Et Ano (Wash. Ct. App. 2023). “RCW 19.146.005. The MPBA also declares that a violation of the act affects the public interest and is a per se violation of the CPA.”
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