Risk factors

WAFD (WAFD) risk factors

Item 1A of every WAFD Inc. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    33 risks7 new13 dropped11 reworded

    Strategic focus shifted toward commercial, small-business and SBA lending as WaFd exits single-family mortgage lending.

    Filed Nov 18, 2025
  • FY2024 10-K risk factors
    40 risks

    WaFd’s risk profile is heavily shaped by its recent acquisition of Luther Burbank and entry into the California market. Regional economic conditions in the western United States and real estate lending concentration dominate operational risks. Regulatory compliance, particularly with CFPB consent orders and data privacy laws, remains a key focus.

    Filed Nov 20, 2024