<?xml version="1.0" encoding="UTF-8"?>

<!--XBRL Document Created with the Workiva Platform-->
<!--Copyright 2025 Workiva-->
<!--r:ec073480-c803-4857-96c0-cc18a87ea2f8,g:151748a2-8193-4f13-8e23-d5d5e146bcd2-->
<xs:schema xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:wfsl="http://www.washingtonfederal.com/20241231" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:dtr-types1="http://www.xbrl.org/dtr/type/2020-01-21" xmlns:dtr-types="http://www.xbrl.org/dtr/type/2022-03-31" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" attributeFormDefault="unqualified" elementFormDefault="qualified" targetNamespace="http://www.washingtonfederal.com/20241231">
  <xs:import namespace="http://fasb.org/srt/2024" schemaLocation="https://xbrl.fasb.org/srt/2024/elts/srt-2024.xsd"/>
  <xs:import namespace="http://fasb.org/us-gaap/2024" schemaLocation="https://xbrl.fasb.org/us-gaap/2024/elts/us-gaap-2024.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/2003/linkbase" schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2020-01-21" schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd"/>
  <xs:import namespace="http://www.xbrl.org/dtr/type/2022-03-31" schemaLocation="https://www.xbrl.org/dtr/type/2022-03-31/types.xsd"/>
  <xs:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/dei/2024" schemaLocation="https://xbrl.sec.gov/dei/2024/dei-2024.xsd"/>
  <xs:import namespace="http://xbrl.sec.gov/ecd/2024" schemaLocation="https://xbrl.sec.gov/ecd/2024/ecd-2024.xsd"/>
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="wfsl-20241231_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="wfsl-20241231_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="wfsl-20241231_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple"/>
      <link:linkbaseRef xmlns:xlink="http://www.w3.org/1999/xlink" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="wfsl-20241231_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple"/>
      <link:roleType id="CoverPage" roleURI="http://www.washingtonfederal.com/role/CoverPage">
        <link:definition>0000001 - Document - Cover Page</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFFINANCIALCONDITIONUNAUDITED" roleURI="http://www.washingtonfederal.com/role/CONSOLIDATEDSTATEMENTSOFFINANCIALCONDITIONUNAUDITED">
        <link:definition>9952151 - Statement - CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (UNAUDITED)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFFINANCIALCONDITIONUNAUDITEDParenthetical" roleURI="http://www.washingtonfederal.com/role/CONSOLIDATEDSTATEMENTSOFFINANCIALCONDITIONUNAUDITEDParenthetical">
        <link:definition>9952152 - Statement - CONSOLIDATED STATEMENTS OF FINANCIAL CONDITION (UNAUDITED)&#160; (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFOPERATIONSUNAUDITED" roleURI="http://www.washingtonfederal.com/role/CONSOLIDATEDSTATEMENTSOFOPERATIONSUNAUDITED">
        <link:definition>9952153 - Statement - CONSOLIDATED STATEMENTS OF OPERATIONS (UNAUDITED)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMEUNAUDITED" roleURI="http://www.washingtonfederal.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMEUNAUDITED">
        <link:definition>9952154 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMEUNAUDITEDParenthetical" roleURI="http://www.washingtonfederal.com/role/CONSOLIDATEDSTATEMENTSOFCOMPREHENSIVEINCOMEUNAUDITEDParenthetical">
        <link:definition>9952155 - Statement - CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED)&#160; (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFSHAREHOLDERSEQUITYUNAUDITED" roleURI="http://www.washingtonfederal.com/role/CONSOLIDATEDSTATEMENTSOFSHAREHOLDERSEQUITYUNAUDITED">
        <link:definition>9952156 - Statement - CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (UNAUDITED)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFSHAREHOLDERSEQUITYUNAUDITEDParenthetical" roleURI="http://www.washingtonfederal.com/role/CONSOLIDATEDSTATEMENTSOFSHAREHOLDERSEQUITYUNAUDITEDParenthetical">
        <link:definition>9952157 - Statement - CONSOLIDATED STATEMENTS OF SHAREHOLDERS' EQUITY (UNAUDITED)&#160; (Parenthetical)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CONSOLIDATEDSTATEMENTSOFCASHFLOWSUNAUDITED" roleURI="http://www.washingtonfederal.com/role/CONSOLIDATEDSTATEMENTSOFCASHFLOWSUNAUDITED">
        <link:definition>9952158 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPolicies" roleURI="http://www.washingtonfederal.com/role/SummaryofSignificantAccountingPolicies">
        <link:definition>9952159 - Disclosure - Summary of Significant Accounting Policies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessCombination" roleURI="http://www.washingtonfederal.com/role/BusinessCombination">
        <link:definition>9952160 - Disclosure - Business Combination</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DividendsandShareRepurchases" roleURI="http://www.washingtonfederal.com/role/DividendsandShareRepurchases">
        <link:definition>9952161 - Disclosure - Dividends and Share Repurchases</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivable" roleURI="http://www.washingtonfederal.com/role/LoansReceivable">
        <link:definition>9952162 - Disclosure - Loans Receivable</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforLossesonLoans" roleURI="http://www.washingtonfederal.com/role/AllowanceforLossesonLoans">
        <link:definition>9952163 - Disclosure - Allowance for Losses on Loans</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurements" roleURI="http://www.washingtonfederal.com/role/FairValueMeasurements">
        <link:definition>9952164 - Disclosure - Fair Value Measurements</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativesandHedgingActivities" roleURI="http://www.washingtonfederal.com/role/DerivativesandHedgingActivities">
        <link:definition>9952165 - Disclosure - Derivatives and Hedging Activities</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RevenuefromContractswithCustomers" roleURI="http://www.washingtonfederal.com/role/RevenuefromContractswithCustomers">
        <link:definition>9952166 - Disclosure - Revenue from Contracts with Customers</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentandContingencies" roleURI="http://www.washingtonfederal.com/role/CommitmentandContingencies">
        <link:definition>9952167 - Disclosure - Commitment and Contingencies</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesPolicies" roleURI="http://www.washingtonfederal.com/role/SummaryofSignificantAccountingPoliciesPolicies">
        <link:definition>9955511 - Disclosure - Summary of Significant Accounting Policies (Policies)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesTables" roleURI="http://www.washingtonfederal.com/role/SummaryofSignificantAccountingPoliciesTables">
        <link:definition>9955512 - Disclosure - Summary of Significant Accounting Policies (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessCombinationTables" roleURI="http://www.washingtonfederal.com/role/BusinessCombinationTables">
        <link:definition>9955513 - Disclosure - Business Combination (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableTables" roleURI="http://www.washingtonfederal.com/role/LoansReceivableTables">
        <link:definition>9955514 - Disclosure - Loans Receivable (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforLossesonLoansTables" roleURI="http://www.washingtonfederal.com/role/AllowanceforLossesonLoansTables">
        <link:definition>9955515 - Disclosure - Allowance for Losses on Loans (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsTables" roleURI="http://www.washingtonfederal.com/role/FairValueMeasurementsTables">
        <link:definition>9955516 - Disclosure - Fair Value Measurements (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativesandHedgingActivitiesTables" roleURI="http://www.washingtonfederal.com/role/DerivativesandHedgingActivitiesTables">
        <link:definition>9955517 - Disclosure - Derivatives and Hedging Activities (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentandContingenciesTables" roleURI="http://www.washingtonfederal.com/role/CommitmentandContingenciesTables">
        <link:definition>9955518 - Disclosure - Commitment and Contingencies (Tables)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesNarrativeDetails" roleURI="http://www.washingtonfederal.com/role/SummaryofSignificantAccountingPoliciesNarrativeDetails">
        <link:definition>9955519 - Disclosure - Summary of Significant Accounting Policies - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesScheduleofIntangibleAssetsDetails" roleURI="http://www.washingtonfederal.com/role/SummaryofSignificantAccountingPoliciesScheduleofIntangibleAssetsDetails">
        <link:definition>9955520 - Disclosure - Summary of Significant Accounting Policies - Schedule of Intangible Assets (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="SummaryofSignificantAccountingPoliciesScheduleofFutureAmortizationExpenseDetails" roleURI="http://www.washingtonfederal.com/role/SummaryofSignificantAccountingPoliciesScheduleofFutureAmortizationExpenseDetails">
        <link:definition>9955521 - Disclosure - Summary of Significant Accounting Policies - Schedule of Future Amortization Expense (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessCombinationScheduleofAssetsAcquiredandLiabilitiesAssumedDetails" roleURI="http://www.washingtonfederal.com/role/BusinessCombinationScheduleofAssetsAcquiredandLiabilitiesAssumedDetails">
        <link:definition>9955522 - Disclosure - Business Combination - Schedule of Assets Acquired and Liabilities Assumed (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessCombinationNarrativeDetails" roleURI="http://www.washingtonfederal.com/role/BusinessCombinationNarrativeDetails">
        <link:definition>9955523 - Disclosure - Business Combination - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="BusinessCombinationScheduleofProFormaInformationDetails" roleURI="http://www.washingtonfederal.com/role/BusinessCombinationScheduleofProFormaInformationDetails">
        <link:definition>9955524 - Disclosure - Business Combination - Schedule of Pro Forma Information (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DividendsandShareRepurchasesDetails" roleURI="http://www.washingtonfederal.com/role/DividendsandShareRepurchasesDetails">
        <link:definition>9955525 - Disclosure - Dividends and Share Repurchases (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableNarrativeDetails" roleURI="http://www.washingtonfederal.com/role/LoansReceivableNarrativeDetails">
        <link:definition>9955526 - Disclosure - Loans Receivable - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableScheduleofLoansReceivableDetails" roleURI="http://www.washingtonfederal.com/role/LoansReceivableScheduleofLoansReceivableDetails">
        <link:definition>9955527 - Disclosure - Loans Receivable - Schedule of Loans Receivable (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableNonaccrualLoansandLoans90DaysorMorePastDueandAccruingDetails" roleURI="http://www.washingtonfederal.com/role/LoansReceivableNonaccrualLoansandLoans90DaysorMorePastDueandAccruingDetails">
        <link:definition>9955528 - Disclosure - Loans Receivable - Non-accrual Loans and Loans 90 Days or More Past Due and Accruing (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableLoanDelinquenciesbyLoanPortfolioandClassDetails" roleURI="http://www.washingtonfederal.com/role/LoansReceivableLoanDelinquenciesbyLoanPortfolioandClassDetails">
        <link:definition>9955529 - Disclosure - Loans Receivable - Loan Delinquencies by Loan Portfolio and Class (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableScheduleofCollateralDependentLoansDetails" roleURI="http://www.washingtonfederal.com/role/LoansReceivableScheduleofCollateralDependentLoansDetails">
        <link:definition>9955530 - Disclosure - Loans Receivable - Schedule of Collateral-Dependent Loans (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableScheduleofLoanModificationsDetails" roleURI="http://www.washingtonfederal.com/role/LoansReceivableScheduleofLoanModificationsDetails">
        <link:definition>9955531 - Disclosure - Loans Receivable - Schedule of Loan Modifications (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableScheduleofLoanPerformanceDetails" roleURI="http://www.washingtonfederal.com/role/LoansReceivableScheduleofLoanPerformanceDetails">
        <link:definition>9955532 - Disclosure - Loans Receivable - Schedule of Loan Performance (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="LoansReceivableLoansBasedonCreditQualityIndicatorsDetails" roleURI="http://www.washingtonfederal.com/role/LoansReceivableLoansBasedonCreditQualityIndicatorsDetails">
        <link:definition>9955533 - Disclosure - Loans Receivable - Loans Based on Credit Quality Indicators (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforLossesonLoansAllowanceforLoanLossesDetails" roleURI="http://www.washingtonfederal.com/role/AllowanceforLossesonLoansAllowanceforLoanLossesDetails">
        <link:definition>9955534 - Disclosure - Allowance for Losses on Loans - Allowance for Loan Losses (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforLossesonLoansNarrativeDetails" roleURI="http://www.washingtonfederal.com/role/AllowanceforLossesonLoansNarrativeDetails">
        <link:definition>9955535 - Disclosure - Allowance for Losses on Loans - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforLossesonLoansInternallyAssignedGradeDetails" roleURI="http://www.washingtonfederal.com/role/AllowanceforLossesonLoansInternallyAssignedGradeDetails">
        <link:definition>9955536 - Disclosure - Allowance for Losses on Loans - Internally Assigned Grade (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="AllowanceforLossesonLoansCreditRiskProfileBasedonPaymentActivityDetails" roleURI="http://www.washingtonfederal.com/role/AllowanceforLossesonLoansCreditRiskProfileBasedonPaymentActivityDetails">
        <link:definition>9955537 - Disclosure - Allowance for Losses on Loans - Credit Risk Profile Based on Payment Activity (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsFairValueMeasuredonRecurringBasisDetails" roleURI="http://www.washingtonfederal.com/role/FairValueMeasurementsFairValueMeasuredonRecurringBasisDetails">
        <link:definition>9955538 - Disclosure - Fair Value Measurements - Fair Value Measured on Recurring Basis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsFairValueMeasuredonNonrecurringBasisDetails" roleURI="http://www.washingtonfederal.com/role/FairValueMeasurementsFairValueMeasuredonNonrecurringBasisDetails">
        <link:definition>9955539 - Disclosure - Fair Value Measurements - Fair Value Measured on Nonrecurring Basis (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsNarrativeDetails" roleURI="http://www.washingtonfederal.com/role/FairValueMeasurementsNarrativeDetails">
        <link:definition>9955540 - Disclosure - Fair Value Measurements - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsFairValuebyBalanceSheetGroupingDetails" roleURI="http://www.washingtonfederal.com/role/FairValueMeasurementsFairValuebyBalanceSheetGroupingDetails">
        <link:definition>9955541 - Disclosure - Fair Value Measurements - Fair Value by Balance Sheet Grouping (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsInvestmentsbyContractualMaturityDateDetails" roleURI="http://www.washingtonfederal.com/role/FairValueMeasurementsInvestmentsbyContractualMaturityDateDetails">
        <link:definition>9955542 - Disclosure - Fair Value Measurements - Investments by Contractual Maturity Date (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsInvestmentsbyContractualMaturityDateDetails_1" roleURI="http://www.washingtonfederal.com/role/FairValueMeasurementsInvestmentsbyContractualMaturityDateDetails_1">
        <link:definition>9955542 - Disclosure - Fair Value Measurements - Investments by Contractual Maturity Date (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsSecuritiesinUnrealizedLossPositionsDetails" roleURI="http://www.washingtonfederal.com/role/FairValueMeasurementsSecuritiesinUnrealizedLossPositionsDetails">
        <link:definition>9955543 - Disclosure - Fair Value Measurements - Securities in Unrealized Loss Positions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="FairValueMeasurementsSecuritiesinUnrealizedLossPositionsDetails_1" roleURI="http://www.washingtonfederal.com/role/FairValueMeasurementsSecuritiesinUnrealizedLossPositionsDetails_1">
        <link:definition>9955543 - Disclosure - Fair Value Measurements - Securities in Unrealized Loss Positions (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativesandHedgingActivitiesSummaryofFairValueNotionalAmountandBalanceSheetClassificationDetails" roleURI="http://www.washingtonfederal.com/role/DerivativesandHedgingActivitiesSummaryofFairValueNotionalAmountandBalanceSheetClassificationDetails">
        <link:definition>9955544 - Disclosure - Derivatives and Hedging Activities - Summary of Fair Value, Notional Amount and Balance Sheet Classification (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativesandHedgingActivitiesImpactofFairValueHedgeAccountingontheCarryingValueoftheHedgedItemsDetails" roleURI="http://www.washingtonfederal.com/role/DerivativesandHedgingActivitiesImpactofFairValueHedgeAccountingontheCarryingValueoftheHedgedItemsDetails">
        <link:definition>9955545 - Disclosure - Derivatives and Hedging Activities - Impact of Fair Value Hedge Accounting on the Carrying Value of the Hedged Items (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativesandHedgingActivitiesNarrativeDetails" roleURI="http://www.washingtonfederal.com/role/DerivativesandHedgingActivitiesNarrativeDetails">
        <link:definition>9955546 - Disclosure - Derivatives and Hedging Activities - Narrative (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativesandHedgingActivitiesImpactofDerivativeInstrumentsonAOCIDetails" roleURI="http://www.washingtonfederal.com/role/DerivativesandHedgingActivitiesImpactofDerivativeInstrumentsonAOCIDetails">
        <link:definition>9955547 - Disclosure - Derivatives and Hedging Activities - Impact of Derivative Instruments on AOCI (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativesandHedgingActivitiesGainsLossesonDerivativeInstrumentsinFairValueandCashFlowAccountingHedgingRelationshipsDetails" roleURI="http://www.washingtonfederal.com/role/DerivativesandHedgingActivitiesGainsLossesonDerivativeInstrumentsinFairValueandCashFlowAccountingHedgingRelationshipsDetails">
        <link:definition>9955548 - Disclosure - Derivatives and Hedging Activities - Gains/(Losses) on Derivative Instruments in Fair Value and Cash Flow Accounting Hedging Relationships (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="DerivativesandHedgingActivitiesImpactofClientSwapProgramthatareNotDesignatedinAccountingHedgesDetails" roleURI="http://www.washingtonfederal.com/role/DerivativesandHedgingActivitiesImpactofClientSwapProgramthatareNotDesignatedinAccountingHedgesDetails">
        <link:definition>9955549 - Disclosure - Derivatives and Hedging Activities - Impact of Client Swap Program that are Not Designated in Accounting Hedges (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="RevenuefromContractswithCustomersDetails" roleURI="http://www.washingtonfederal.com/role/RevenuefromContractswithCustomersDetails">
        <link:definition>9955550 - Disclosure - Revenue from Contracts with Customers (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
      <link:roleType id="CommitmentandContingenciesDetails" roleURI="http://www.washingtonfederal.com/role/CommitmentandContingenciesDetails">
        <link:definition>9955551 - Disclosure - Commitment and Contingencies (Details)</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="wfsl_DepositorySharesMember" abstract="true" name="DepositorySharesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="wfsl_TransactionDeposits" abstract="false" name="TransactionDeposits" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_InvestmentIncomeAndOther" abstract="false" name="InvestmentIncomeAndOther" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_GainLossOnTerminatedDerivativeInstrumentsNetPretax" abstract="false" name="GainLossOnTerminatedDerivativeInstrumentsNetPretax" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_ProductDeliveryExpense" abstract="false" name="ProductDeliveryExpense" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_LoansOriginatedNetOfPrincipalCollections" abstract="false" name="LoansOriginatedNetOfPrincipalCollections" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_NonCashFinancingActivitiesAbstract" abstract="true" name="NonCashFinancingActivitiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="wfsl_CashPaidDuringPeriodForAbstract" abstract="true" name="CashPaidDuringPeriodForAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="wfsl_ReconciliationOfAmortizedCostToFairValueAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesTableTextBlock" abstract="false" name="ReconciliationOfAmortizedCostToFairValueAvailableForSaleSecuritiesAndHeldToMaturitySecuritiesTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:textBlockItemType"/>
  <xs:element id="wfsl_ScheduleOfInvestmentsInvestmentProgramProportionalAmortizationMethodTableTextBlock" abstract="false" name="ScheduleOfInvestmentsInvestmentProgramProportionalAmortizationMethodTableTextBlock" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"/>
  <xs:element id="wfsl_SummaryOfSignificantAccountingPoliciesTable" abstract="true" name="SummaryOfSignificantAccountingPoliciesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="wfsl_LutherBurbankCorporationMember" abstract="true" name="LutherBurbankCorporationMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wfsl_SummaryOfSignificantAccountingPoliciesLineItems" abstract="true" name="SummaryOfSignificantAccountingPoliciesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="wfsl_NumberOfOffices" abstract="false" name="NumberOfOffices" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="wfsl_NumberOfPortfolioSegmentsForLoansHeldForInvestment" abstract="false" name="NumberOfPortfolioSegmentsForLoansHeldForInvestment" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="wfsl_NumberOfClassesDisaggregatingTheCommercialLoanPortfolio" abstract="false" name="NumberOfClassesDisaggregatingTheCommercialLoanPortfolio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="wfsl_NumberOfClassesDisaggregatingTheConsumerLoanPortfolio" abstract="false" name="NumberOfClassesDisaggregatingTheConsumerLoanPortfolio" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="wfsl_IntangibleAssetsNetIncludingGoodwillRollForward" abstract="true" name="IntangibleAssetsNetIncludingGoodwillRollForward" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="wfsl_GoodwillAndFiniteLivedIntangibleAssetsAcquired" abstract="false" name="GoodwillAndFiniteLivedIntangibleAssetsAcquired" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" abstract="false" name="FiniteLivedIntangibleAssetExpectedAmortizationAfterYearFour" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedLoansHeldForSale" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestReceivable" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedInterestReceivable" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFHLBStock" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedFHLBStock" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedBankOwnedLifeInsurance" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedBankOwnedLifeInsurance" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherAssets" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherAssets" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCustomerAccounts" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedCustomerAccounts" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherLongTermDebt" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedOtherLongTermDebt" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedJuniorSubordinatedDebentures" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedJuniorSubordinatedDebentures" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSeniorDebt" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedSeniorDebt" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedExpensesAndOtherLiabilities" abstract="false" name="BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedAccruedExpensesAndOtherLiabilities" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_BusinessAcquisitionProFormaNetInterestIncome" abstract="false" name="BusinessAcquisitionProFormaNetInterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_BusinessAcquisitionProFormaNonInterestIncome" abstract="false" name="BusinessAcquisitionProFormaNonInterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_DepositorySharesDividendsPerShareDeclared" abstract="false" name="DepositorySharesDividendsPerShareDeclared" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:perShareItemType"/>
  <xs:element id="wfsl_FinancingReceivableIndividuallyEvaluatedForCreditLossInterestIncome" abstract="false" name="FinancingReceivableIndividuallyEvaluatedForCreditLossInterestIncome" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_CommercialAndIndustrialMember" abstract="true" name="CommercialAndIndustrialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="wfsl_LandAcquisitionAndDevelopmentMember" abstract="true" name="LandAcquisitionAndDevelopmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="wfsl_LandConsumerLotLoansMember" abstract="true" name="LandConsumerLotLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="wfsl_FinancingReceivableRatioOfLoanTypeToAllLoans" abstract="false" name="FinancingReceivableRatioOfLoanTypeToAllLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="wfsl_FinancingReceivableChargesToAllowanceLoansInProcessAndDeferredFees" abstract="false" name="FinancingReceivableChargesToAllowanceLoansInProcessAndDeferredFees" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_FinancingReceivableNonaccrualPercentOfTotalLoans" abstract="false" name="FinancingReceivableNonaccrualPercentOfTotalLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="wfsl_FinancingReceivableNetOfChargeOffsAndLoansInProcess" abstract="false" name="FinancingReceivableNetOfChargeOffsAndLoansInProcess" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_FinancingReceivableRatioOfTotalPastDueLoansToTotalLoansReceivableNetOfChargeOffsAndLoansInProcessCurrent" abstract="false" name="FinancingReceivableRatioOfTotalPastDueLoansToTotalLoansReceivableNetOfChargeOffsAndLoansInProcessCurrent" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="wfsl_CommercialandIndustrialMember" abstract="true" name="CommercialandIndustrialMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="wfsl_NettingAxis" abstract="true" name="NettingAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="wfsl_NettingDomain" abstract="true" name="NettingDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wfsl_NettingAdjustmentMember" abstract="true" name="NettingAdjustmentMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types:domainItemType"/>
  <xs:element id="wfsl_FinancingReceivableAllowanceForCreditLossesExcludingAccruedInterestProvisionAndTransfers" abstract="false" name="FinancingReceivableAllowanceForCreditLossesExcludingAccruedInterestProvisionAndTransfers" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_RatioOfNonPerformingAssetsToTotalAssets" abstract="false" name="RatioOfNonPerformingAssetsToTotalAssets" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="wfsl_LossMember" abstract="true" name="LossMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="wfsl_GradeAsPercentageOfTotalGrossLoans" abstract="false" name="GradeAsPercentageOfTotalGrossLoans" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="wfsl_CommercialLoanHedgeMember" abstract="true" name="CommercialLoanHedgeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="wfsl_MortgageLoanHedgeMember" abstract="true" name="MortgageLoanHedgeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="wfsl_LongTermBorrowingHedgeMember" abstract="true" name="LongTermBorrowingHedgeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="wfsl_AssetsMeasuredOnNonrecurringBasisByTypeAxis" abstract="true" name="AssetsMeasuredOnNonrecurringBasisByTypeAxis" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType"/>
  <xs:element id="wfsl_AssetsMeasuredonNonrecurringBasisNameDomain" abstract="true" name="AssetsMeasuredonNonrecurringBasisNameDomain" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="wfsl_ImpairedLoansMember" abstract="true" name="ImpairedLoansMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="wfsl_RealEstateOwnedMember" abstract="true" name="RealEstateOwnedMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="wfsl_GainLossRelatedToLoansAndRealEstateOwnedMeasuredOnNonrecurringBasis" abstract="false" name="GainLossRelatedToLoansAndRealEstateOwnedMeasuredOnNonrecurringBasis" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_TermOfContractualDueDatesOfSubstantiallyAllMortgageBackedSecurities" abstract="false" name="TermOfContractualDueDatesOfSubstantiallyAllMortgageBackedSecurities" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:durationItemType"/>
  <xs:element id="wfsl_FederalHomeLoanBankAdvancesLongTermAndOtherBorrowingsFairValueDisclosure" abstract="false" name="FederalHomeLoanBankAdvancesLongTermAndOtherBorrowingsFairValueDisclosure" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_ScheduleOfAvailableForSaleAndHeldToMaturitySecuritiesTable" abstract="true" name="ScheduleOfAvailableForSaleAndHeldToMaturitySecuritiesTable" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrldt:hypercubeItem" type="xbrli:stringItemType"/>
  <xs:element id="wfsl_AvailableForSaleSecuritesAndHeldToMaturitySecuritiesLineItems" abstract="true" name="AvailableForSaleSecuritesAndHeldToMaturitySecuritiesLineItems" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="wfsl_GrossUnrealizedGainsOneYear" abstract="false" name="GrossUnrealizedGainsOneYear" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_GrossUnrealizedGainsAfterOneThroughFiveYears" abstract="false" name="GrossUnrealizedGainsAfterOneThroughFiveYears" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_GrossUnrealizedGainsAfterFiveThroughTenYears" abstract="false" name="GrossUnrealizedGainsAfterFiveThroughTenYears" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_GrossUnrealizedGainsAfterTenYears" abstract="false" name="GrossUnrealizedGainsAfterTenYears" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_GrossUnrealizedGainsWithoutSingleMaturity" abstract="false" name="GrossUnrealizedGainsWithoutSingleMaturity" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_GrossUnrealizedLossesOneYear" abstract="false" name="GrossUnrealizedLossesOneYear" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_GrossUnrealizedLossesAfterOneThroughFiveYears" abstract="false" name="GrossUnrealizedLossesAfterOneThroughFiveYears" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_GrossUnrealizedLossesAfterFiveYearsThroughTenYears" abstract="false" name="GrossUnrealizedLossesAfterFiveYearsThroughTenYears" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_GrossUnrealizedLossesOverTenYears" abstract="false" name="GrossUnrealizedLossesOverTenYears" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_GrossUnrealizedLossesWithoutSingleMaturity" abstract="false" name="GrossUnrealizedLossesWithoutSingleMaturity" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_InvestmentYieldAvailableforSaleSecuritiesAbstract" abstract="true" name="InvestmentYieldAvailableforSaleSecuritiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="wfsl_AvailableForSaleSecuritiesYieldOneYear" abstract="false" name="AvailableForSaleSecuritiesYieldOneYear" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="wfsl_AvailableForSaleSecuritiesYieldAfterOneThroughFiveYears" abstract="false" name="AvailableForSaleSecuritiesYieldAfterOneThroughFiveYears" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="wfsl_AvailableForSaleSecuritiesYieldAfterFiveThroughTenYears" abstract="false" name="AvailableForSaleSecuritiesYieldAfterFiveThroughTenYears" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="wfsl_AvailableForSaleSecuritiesYieldAfterTenYears" abstract="false" name="AvailableForSaleSecuritiesYieldAfterTenYears" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="wfsl_AvailableForSaleSecuritiesYieldWithoutSingleMaturity" abstract="false" name="AvailableForSaleSecuritiesYieldWithoutSingleMaturity" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="wfsl_DebtSecuritiesAvailableForSaleYield" abstract="false" name="DebtSecuritiesAvailableForSaleYield" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="wfsl_HeldToMaturitySecuritiesGrossUnrecognizedGainsLossesAbstract" abstract="true" name="HeldToMaturitySecuritiesGrossUnrecognizedGainsLossesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="wfsl_InvestmentYieldHeldtomaturitysecuritiesAbstract" abstract="true" name="InvestmentYieldHeldtomaturitysecuritiesAbstract" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="xbrli:stringItemType"/>
  <xs:element id="wfsl_HeldToMaturitySecuritiesYield" abstract="false" name="HeldToMaturitySecuritiesYield" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="wfsl_GrossUnrealizedGainsOnInvestments" abstract="false" name="GrossUnrealizedGainsOnInvestments" nillable="true" xbrli:periodType="instant" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_GrossUnrealizedLossesOnInvestments" abstract="false" name="GrossUnrealizedLossesOnInvestments" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_Yield" abstract="false" name="Yield" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
  <xs:element id="wfsl_DebtSecuritiesUnrealizedLossPositionNumberOfPositions" abstract="false" name="DebtSecuritiesUnrealizedLossPositionNumberOfPositions" nillable="true" xbrli:periodType="instant" substitutionGroup="xbrli:item" type="xbrli:integerItemType"/>
  <xs:element id="wfsl_DebtSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" abstract="false" name="DebtSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_DebtSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsFairValue" abstract="false" name="DebtSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_DebtSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" abstract="false" name="DebtSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_DebtSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerFairValue" abstract="false" name="DebtSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_DebtSecuritiesUnrealizedLossPositionAccumulatedLoss" abstract="false" name="DebtSecuritiesUnrealizedLossPositionAccumulatedLoss" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_DebtSecuritiesUnrealizedLossPositionFairValue" abstract="false" name="DebtSecuritiesUnrealizedLossPositionFairValue" nillable="true" xbrli:periodType="instant" xbrli:balance="debit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_HedgedAssetDiscontinuedFairValueHedgeAmount" abstract="false" name="HedgedAssetDiscontinuedFairValueHedgeAmount" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_InterestRateContractPayFixedReceiveFloatingSwapMember" abstract="true" name="InterestRateContractPayFixedReceiveFloatingSwapMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="wfsl_InterestIncomeLoansReceivableMember" abstract="true" name="InterestIncomeLoansReceivableMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="wfsl_InterestExpenseFHLBAdvancesMember" abstract="true" name="InterestExpenseFHLBAdvancesMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="wfsl_ChangeInUnrealizedGainLossOnFairValueHedgingInstrumentsRelatedToInterestSettlements" abstract="false" name="ChangeInUnrealizedGainLossOnFairValueHedgingInstrumentsRelatedToInterestSettlements" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_ChangeInUnrealizedGainLossOnCashFlowHedgingInstrumentsRelatedToInterestSettlements" abstract="false" name="ChangeInUnrealizedGainLossOnCashFlowHedgingInstrumentsRelatedToInterestSettlements" nillable="true" xbrli:periodType="duration" xbrli:balance="credit" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"/>
  <xs:element id="wfsl_NoninterestIncomeOtherOperatingIncomeMember" abstract="true" name="NoninterestIncomeOtherOperatingIncomeMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="wfsl_InterestRateContractReceiveFixedPayFloatingSwapMember" abstract="true" name="InterestRateContractReceiveFixedPayFloatingSwapMember" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:domainItemType"/>
  <xs:element id="wfsl_RevenueFromContractWithCustomerPercentage" abstract="false" name="RevenueFromContractWithCustomerPercentage" nillable="true" xbrli:periodType="duration" substitutionGroup="xbrli:item" type="dtr-types1:percentItemType"/>
</xs:schema>
