The California Mortgage Bankers Association (CMBA) is the only statewide organization dedicated to representing the residential and commercial real estate finance industry before all government and regulatory agencies. We are one of the most effective lobbying forces in the state representing hundreds of real estate finance companies. Founded in 1955, CMBA is headquartered in Sacramento, California, close to the State Capitol where we defend against red tape and excessive regulations.

The mission of CMBA is to promote a business, economic and legal environment conducive to the efficient and ethical conduct to all aspects of mortgage banking and real estate finance. To accomplish our mission, we inform government decision-makers of the effect their decisions have on the California real estate finance industry and in building and sustaining the communities in which people live, work, shop and play. We also work to educate opinion leaders and the media about the importance of real estate to California's economy and to gain support for CMBA-sponsored legislation.

Become a member today and join us in the victories!

For information on becoming a member or on renewing your membership, please click on the membership category that describes your business or organization.

Residential - A Residential member is a mortgage banker, broker or other company whose primary business is the origination and/or servicing of loans on residential real estate.
Download a membership application (PDF).

Commercial - A Commercial member is a mortgage banker, conduit or other company whose primary business is the origination and/or servicing of loans on commercial real estate.
Download a membership application (PDF).

Associate - Associate members are business organizations, financial institutions, title and private mortgage insurance companies, attorneys, certified public accountants, and other individuals that regularly provide services or products to CMBA members.
Download a membership application (PDF).

CMBA FAQ's
CMBA Politcal Action Committee (CAMPAC)

CMBA's legislative and regulatory victories have improved the real estate finance industry in recent years. CMBA is the only statewide organization dedicated to protecting your interest as a real estate finance company before all government and regulatory agencies. In addition to the pro-business bills sponsored by CMBA, there are literally hundreds of anti-business bills introduced each legislative session that must be defeated.

CMBA serves its membership by representing your legislative and regulatory interests before the California Legislature, the Governor's Office, the Department of Corporations, the Department of Real Estate and other regulatory agencies. CMBA also works closely with the Mortgage Bankers Association in Washington D.C. to provide support, guidance and expertise on federal issues impacting business in California.

Our voice has played an integral part in achieving the goals of many real estate finance companies doing business in California.

CMBA holds five major conferences each year to bring members up to speed on industry trends and resources, and to encourage interaction amongst members and perspective members. CMBA's conferences and events encourage the exchange of ideas and educate members on the latest topics impacting the industry. In addition, CMBA organizes exhibit halls to further promote commerce and networking among members.

CMBA is committed to helping you do business better by providing the following conferences and events that highlight issues influencing your business and our industry:

• Western States Secondary Marketing Conference
• Western States Loan Servicing Conference
• Western States Commercial Real Estate Conference
• Western States Legislative, Regulatory & Compliance Conference
• Mortgage Quality and Compliance Workshop
• Commercial Deal Makers Forum

You've worked hard to become a skilled professional in the mortgage lending industry. As a member of CMBA, you can show your accomplishments by displaying a Professional Designation behind your name and a plaque on the wall. CMBA offers three professional designations for residential lending professionals. Applicants can choose the appropriate course of study and examination to become either a "Certified Residential Mortgage Underwriter", "Certified Residential Mortgage Processor", or "Certified Residential Mortgage Originator".

Since Membership in CMBA is membership in a professional association, CMBA members have responsibility to uphold the ideals of their profession, and to regulate their conduct in a professional manner. Your CMBA membership entitles you to use the CMBA logo on your business cards, letterhead, and marketing materials to promote to your customers when doing business that your company adheres to the CMBA Code of Ethics.

CMBA's Legal Services monitors state and federal courts and the California Legislature for decisions that affect the real estate finance industry. No firm or individual can operate without legal representation. Few companies can afford to retain all of the experts that are needed to protect their vital interest relating to:

• Regulations
• Licensing
• Liability
• Housing Finance
• Commercial Finance Issues

CMBA promotes the image of real estate finance companies as active and concerned members of their communities. CMBA strives to achieve a favorable image of the real estate finance industry through greater public awareness by communicating with the media nationwide on a continual basis. CMBA arranges news interviews with industry experts for radio, television, newspaper and magazine coverage.

Timely and accurate information on industry issues is as critical to you as it is to CMBA. Our publications provide news as well as in-depth reporting. CMBA's Web site offers several resources and features to better communicate with you, and continues to carry up-to-date news and information on conferences, legislation, regulatory, residential and commercial/multifamily happenings in California.

CMBA's quarterly newsletter, California Mortgage Finance News, covers the latest residential, commercial and multifamily real estate finance news, legislative and regulatory updates. Our Electronic Membership Bulletin highlights association news, legislative and regulatory alerts and CMBA conferences and events. The newsletter and electronic bulletin are provided via e-mail.

In addition, CMBA publishes the results of a Quarterly Delinquency Survey of California commercial mortgage banking firms, and produces various other mailings.

As a CMBA member, you'll be invited to help shape important issues affecting the real estate finance industry through participation in one or all of our standing policy committees:

• Commercial Real Estate Finance Committee
• Legal Services Committee
• Legislative Committee *
• Loan Servicing Committee
• Membership Committee
• Mortgage Quality and Compliance Committee
• Secondary Market Committee
• Strategic Planning Committee *