# RCW 19.146.040: RCW 19.146.040: Written contract required—Contract entered by loan originator binding on mortgage broker—Written loan broker agreement required

> Washington · Statutes · In force

URL: https://www.frixlaw.com/law-library/statutes/STATE_WA_T19_C146_S040

## Section

- **Citation:** RCW 19.146.040
- **Heading:** RCW 19.146.040: Written contract required—Contract entered by loan originator binding on mortgage broker—Written loan broker agreement required
- **Jurisdiction:** Washington
- **Kind:** Statutes
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** Washington Code / Title 19 / Chapter 146 / Section 040

## Text

(1) Every contract between a mortgage broker, or a loan originator, and a borrower must be in writing and contain the entire agreement of the parties. (2) Any contract under this section entered by a loan originator is binding on the mortgage broker. (3) A mortgage broker must have a written loan broker agreement with a lender before any solicitation of, or contracting with, the public.

## Nearby sections

- [RCW 19.146.005 RCW 19.146.005: Findings and declaration.](https://www.frixlaw.com/law-library/statutes/STATE_WA_T19_C146_S005.md)
- [RCW 19.146.010 RCW 19.146.010: Definitions.](https://www.frixlaw.com/law-library/statutes/STATE_WA_T19_C146_S010.md)
- [RCW 19.146.020 RCW 19.146.020: Exemptions from chapter.](https://www.frixlaw.com/law-library/statutes/STATE_WA_T19_C146_S020.md)
- [RCW 19.146.030 RCW 19.146.030: Written disclosure of fees and costs—Rules—Contents—Lock-in agreement terms—Excess fees limited.](https://www.frixlaw.com/law-library/statutes/STATE_WA_T19_C146_S030.md)
- [RCW 19.146.040 RCW 19.146.040: Written contract required—Contract entered by loan originator binding on mortgage broker—Written loan broker agreement required.](https://www.frixlaw.com/law-library/statutes/STATE_WA_T19_C146_S040.md)
- [RCW 19.146.050 RCW 19.146.050: Moneys for third-party provider services deemed in trust—Deposit of moneys in trust account—Use of trust account—Rules—Tax treatment.](https://www.frixlaw.com/law-library/statutes/STATE_WA_T19_C146_S050.md)
- [RCW 19.146.060 RCW 19.146.060: Accounting requirements.](https://www.frixlaw.com/law-library/statutes/STATE_WA_T19_C146_S060.md)
- [RCW 19.146.070 RCW 19.146.070: Fee, commission, or compensation—When permitted.](https://www.frixlaw.com/law-library/statutes/STATE_WA_T19_C146_S070.md)
- [RCW 19.146.080 RCW 19.146.080: Borrowers unable to obtain loans—Mortgage broker to provide copies of certain documents—Conditions—Exceptions.](https://www.frixlaw.com/law-library/statutes/STATE_WA_T19_C146_S080.md)
- [RCW 19.146.085 RCW 19.146.085: Duties—Generally.](https://www.frixlaw.com/law-library/statutes/STATE_WA_T19_C146_S085.md)
- [RCW 19.146.095 RCW 19.146.095: Fiduciary duties.](https://www.frixlaw.com/law-library/statutes/STATE_WA_T19_C146_S095.md)
- [RCW 19.146.100 RCW 19.146.100: Violations of chapter—Application of consumer protection act.](https://www.frixlaw.com/law-library/statutes/STATE_WA_T19_C146_S100.md)
- [RCW 19.146.103 RCW 19.146.103: Financial interest in a mortgage broker—Prohibited practices.](https://www.frixlaw.com/law-library/statutes/STATE_WA_T19_C146_S103.md)
- [RCW 19.146.110 RCW 19.146.110: Criminal penalty.](https://www.frixlaw.com/law-library/statutes/STATE_WA_T19_C146_S110.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/STATE_WA_T19_C146_S040. Check the current official text before relying on it. Not legal advice.