What is a Certified Mortgage Lender (CML)?

Lenders who have industry experience and who have demonstrated professional aptitude may obtain the designation Certified Mortgage Lender (CML). As a mortgage lender, achieving the CML designation reflects a commitment to mortgage lending as a career and the initiative to excel. In order to receive the CML designation, an applicant must certify that they have not been convicted of a felony and that they are not listed on the Fannie Mae Excluded Parties List or HUD Limited Denial of Participation (LDP) list.

How do I apply?

Applicants must submit a $150 processing fee along with a completed Application for CML Designation. Applicants are awarded points for experience, education, related certifications or licenses, and participation in mortgage-lending trade associations.

See the Requirements for Certified Mortgage Lender (CML)

Applicants who are approved for the CML designation receive a certificate as evidence of their certification. Applicants who are not accepted due to a lack of earned points will receive a refund of $125. (CMLA retains $25 for processing the application.)

Click here to download the CML Application.

Renewals

CML Certification is good for three years. CML designees must complete and submit the CML Renewal Form to the CMLA office with a check for $100 for a renewal certificate or $140 for a renewal certificate and replacement plaque.

CML Renewal Form

CMLA encourages consumers to include CMLA members in their shopping efforts, especially those individuals who hold the designation of Certified Mortgage Lender.

Click here to view a list of Certified Mortgage Lenders (CMLs)