What is a Certified Mortgage Lender (CML)?

CML

The Certified Mortgage Lender (CML) designation is a certification program that was created by CMLA to demonstrate to consumers and business associates a high level of individual competence, expertise, as well as a dedication to mortgage lending as your chosen career. The CML designation may be earned through a combination of industry experience, education and training, licensing and other credentialing, and participation in industry associations. We encourage all of our members to apply for and maintain their CMLs!

In order to receive the CML designation, an applicant must have a minimum of two years' experience in real estate lending or a related field. The 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?

  1. Review the application and point requirements.
  2. Send the completed application, application fee, and all required documentation to the CMLA Business Office by e-mail, fax, or mail:
    • Email: programs@cmla.com
    • Fax: (303) 773-8746
    • Mailing Address: 4380 S. Syracuse Street Suite 315 Denver, CO 80237 
  3. You will receive notification once a decision has been made regarding your application.

CML Requirements

(See applications for detailed requirements)

New Applicants

Become a CML

  • Application Fee: $150
  • CML Designation is valid for 3 years
  • Minimum of 2 years’ experience working
    in the mortgage lending industry
  • Provide letters of recommendation from company leadership if your company is not a member of CMLA
  • Must accumulate a minimum of 150 total points
    (see point categories below)
 
Experience
Experience Level Points
Each year of mortgage industry experience 10
Minimum points required for category 20
Maximum points allowed for category 100
 
Education
Degrees/Programs Points
Associates Degree 5
Educational Event through CMLA 5
Industry Education (less than 4 hours) 5
Four-Year Degree 10
Industry Education (more than 4 hours) 10
Four-Year Degree in Real Estate or Finance 15
Advanced Degree in Law, MBA or Other Relevant Field 15
CampusMBA Course 20
Minimum points required for category 20
Maximum points allowed for category 50
 
Related Licenses or Certificates
License Points
Each active license 10
Maximum points allowed for category 20
 
Participation in Affiliated Associations
Participation Points
CMLA Luncheons 5
CMLA Convention 10
Volunteer for Industry Event(s) 10
Committee and/or Forum Participation (per year) 10
Mortgage Leadership Program Graduate 25
Chair or Co-Chair of a Committee
or Project
30
Board Member of CMLA or Industry Related Organization 40
Former President of CMLA
Board of Directors
50
Former President of CMLA
Board of Governors
50
Minimum points required for category 15
Maximum points allowed for category 50

Renewing Your CML

Renew My CML

  • Renewal Fee: $100 (or $140 with plaque)
  • CML Designation is valid for 3 years
  • Must accumulate a minimum of 50 total points
    (see point categories below)
 
Experience
Experience Level Points
Each year of mortgage industry experience 12
Maximum points allowed for category 36
 
CMLA or Industry Activities
Activity Points
CMLA Luncheons 5
CMLA Convention 5
Educational Event through CMLA 5
Mortgage Industry Related Class 5
CampusMBA Course 10
Maximum points allowed for category 15
 
Participation in Affiliated Associations
Participation Points
Committee and/or Forum Participation (per year) 10
Mortgage Leadership Program Graduate 25
Chair or Co-Chair of a Committee
or Project
30
Board Member of CMLA or Industry Related Organization 40
Former President of CMLA
Board of Directors
50
Former President of CMLA
Board of Governors
50
Maximum points allowed for category 50