--- canonical_url: https://lendb.ai/lo/william-howard-85438 json_url: https://lendb.ai/lo/william-howard-85438.json nmls_id: 85438 last_verified: 2026-10-09 --- # Walter Howard Sales Manager, Mortgage Advisor at Fairway Independent Mortgage Corporation, Federal Way, WA. NMLS ID 85438 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/85438)). **Summary:** Walter Howard (NMLS 85438) is Sales Manager, Mortgage Advisor at Fairway Independent Mortgage Corporation, based in Federal Way, WA. Licensed in Florida, confirmed with the state regulator (license LO113919). Also lists Alaska, Alabama, Arizona, California, Colorado, Hawaii, Iowa, Idaho and 14 more on the lender page (not yet checked with the state regulator). Earliest state license record: October 4, 2022 (Florida), per state regulator. States 27 years of experience. Last verified 2026-10-09. ## At a glance - Earliest state license record: October 4, 2022 (Florida), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience. - Years experience (stated by the LO): 27 (source: https://www.fairway.com/lo/walter-howard-85438, verified 2026-10-09) - Licensed in: Florida (FL, confirmed), Alaska (AK, lender_reported), Alabama (AL, lender_reported), Arizona (AZ, lender_reported), California (CA, lender_reported), Colorado (CO, lender_reported), Hawaii (HI, lender_reported), Iowa (IA, lender_reported), Idaho (ID, lender_reported), Illinois (IL, lender_reported), Indiana (IN, lender_reported), Michigan (MI, lender_reported), Minnesota (MN, lender_reported), Missouri (MO, lender_reported), Montana (MT, lender_reported), New Mexico (NM, lender_reported), Ohio (OH, lender_reported), Oklahoma (OK, lender_reported), Oregon (OR, lender_reported), Tennessee (TN, lender_reported), Texas (TX, lender_reported), Virginia (VA, lender_reported), Washington (WA, lender_reported) - License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer. - Languages: not listed - Profile: unclaimed - Status: active ## Specialties ## About Certified Mortgage Planning Specialist with 27 years in the mortgage industry since 1999, and with Fairway since 2015. Serves clients in Federal Way, WA and surrounding areas. Source: LenDb summary of the lender page, verified 2026-10-09. ## Facts from the lender page and intro - credential: Certified Mortgage Planning Specialist (CMPS). Source: https://www.fairway.com/lo/walter-howard-85438, verified 2026-10-09. - years_experience: 27. Source: https://www.fairway.com/lo/walter-howard-85438, verified 2026-10-09. ## Licenses | State | Type | Number | Status | Confidence | Issued | Source | Verified | |---|---|---|---|---|---|---|---| | FL | state_license | LO113919 | active | confirmed | 2022-10-04 | state_regulator | 2026-10-09 | | AK | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AL | state_license | 85438 | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | AZ | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | CO | state_license | 100535142 | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | HI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | ID | state_license | MLO-2080085438 | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IL | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | IN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MI | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MN | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MO | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | MT | state_license | 85438 | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | NM | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OH | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OK | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | OR | state_license | 85438 | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TN | state_license | 85438 | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | TX | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | VA | state_license | MLO65852VA | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | | WA | state_license | n/a | listed_on_lender_site | lender_reported | | lender_site | 2026-10-09 | ## Employment history - ? to present: Fairway Independent Mortgage Corporation (NMLS 2289), Federal Way, WA. Source: https://www.fairway.com/lo/walter-howard-85438, verified 2026-10-09. ## Disciplinary history Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/85438 ## Contact - View profile at Fairway Independent Mortgage Corporation: https://www.fairway.com/lo/walter-howard-85438 - Office phone and Email on file: shown at https://lendb.ai/lo/william-howard-85438#contact after a quick human check (not available in this file, the API or MCP). ## Sources - nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/85438 - state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip - lender_site: https://www.fairway.com/lo/walter-howard-85438 Cite as: Walter Howard (NMLS 85438), Fairway Independent Mortgage Corporation. LenDb.ai, https://lendb.ai/lo/william-howard-85438, last verified 2026-10-09. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._