California Mortgage Bankers Association

EIN: 941701188

Roseville, CA

Total Revenue
$2,755,745
Total Expenses
$2,756,624
Total Assets
$3,502,843
Net Assets
$3,077,254
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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year
1955
Legal Domicile
CA
Principal Officer
Susan Milazzo
Phone
9164467100
Tax Period
2023-11-01 to 2024-10-31

California Mortgage Bankers Association, founded in 1955, is a community nonprofit that reported $2.8M in total revenue in fiscal year 2023.

Mission

We represent residential and commercial real estate finance industry before all governing bodies. We encourage and promote sound business practices and honesty in marketing, origination, lending, and servicing of mortgage loans.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $2,663,253
Investment Income $83,743
Other Revenue $8,749
TOTAL REVENUE $2,755,745

Expense Breakdown

Grants Paid $0
Salaries & Benefits $702,484
Fundraising Expenses $0
Program Expenses $1,949,727
Other Expenses $2,054,140
TOTAL EXPENSES $2,756,624

Year-over-Year Comparison

2023 2022 Change
Revenue $2,755,745 $2,627,345 +0.0%
Expenses $2,756,624 $2,708,214 +0.0%
Net Income $-879 $-80,869 -1.0%
Key Indicators
✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required
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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

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Governance

Voting Members
29
Independent Members
29
Employees
5
Volunteers
29

Governance Policies

✗ Conflict of Interest Policy
✗ Whistleblower Policy
✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School
✗ Operated a Hospital
✗ Provided First Class Travel
✗ Reported Conflict of Interest
✗ Reported Asset Diversion
✗ Excess Benefit Transaction
✗ Made Political Expenditures
✗ Engaged in Lobbying
✗ Operated Donor Advised Fund
✗ Maintained Art Collections
✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers
6
$319,518
Total Directors
29
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Susan Milazzo CEO 40.00
Officer
$296,636 $22,882 $319,518
Susan Wilfley Finance Manager 40.00
$100,570 $9,824 $110,394
Wes Iseley Chair 2.00
Officer Director
$0 $0 $0
Gary Bechtel President, Comm 2.00
Officer Director
$0 $0 $0
Jennifer Schachterle President, Res. 2.00
Officer Director
$0 $0 $0
Andrew Mekjavich Past Chair 2.00
Officer Director
$0 $0 $0
Cody Charfauros Secretary 2.00
Officer Director
$0 $0 $0
Tom Gilliland Director 2.00
Director
$0 $0 $0
Nick Pabarcus Director 2.00
Director
$0 $0 $0
Kevin Wall Director 2.00
Director
$0 $0 $0
Chris Botsford Director 2.00
Director
$0 $0 $0
Marlene Chaker Director 2.00
Director
$0 $0 $0
Paul Gigliotti Director 2.00
Director
$0 $0 $0
Mike Fontaine Director 2.00
Director
$0 $0 $0
AJ George Director 2.00
Director
$0 $0 $0
Kim Nichols Director 2.00
Director
$0 $0 $0
Rosalyn Hardy Director 2.00
Director
$0 $0 $0
Kevin Peranio Director 2.00
Director
$0 $0 $0
David Neylan Director 2.00
Director
$0 $0 $0
David Smyle Director 2.00
Director
$0 $0 $0
Brad Livingston Director 2.00
Director
$0 $0 $0
Ike Suri Director 2.00
Director
$0 $0 $0
Arvin Wijay Director 2.00
Director
$0 $0 $0
Jeff Walsh Director 2.00
Director
$0 $0 $0
Tom Wight Director 2.00
Director
$0 $0 $0
Jon Irvine Director 2.00
Director
$0 $0 $0
Chuck Iverson Director 2.00
Director
$0 $0 $0
John Hedlund Director 2.00
Director
$0 $0 $0
Laura Martell Director 2.00
Director
$0 $0 $0
Mark Ulmer Director 2.00
Director
$0 $0 $0
Marty Allred Director 2.00
Director
$0 $0 $0
Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year Revenue Expenses Assets Net Income
2024 $2,755,745 $2,756,624 $3,502,843 $-879
2023 $2,627,345 $2,708,214 $3,664,458 $-80,869
2022 $3,403,318 $2,846,805 $3,753,359 $556,513
2021 $2,834,161 $2,269,746 $3,200,878 $564,415
2020 $1,436,746 $1,783,233 $2,547,007 $-346,487
2019 $2,218,155 $2,250,808 $2,998,069 $-32,653
2019 $2,218,155 $2,250,808 $2,998,069 $-32,653
2018 $2,135,371 $2,240,814 $3,029,909 $-105,443
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