TY 2017 Form 990

(A) Name and title	(B) Average hours per week (list any hours for related organizations below dotted line)	(C) Position (do not check more than one box, unless person is both an officer and a director/trustee)	(E) Reportable compensation from related organizations (W-2/1099-MISC)
(1) Leo Whitton...................................................................... Vice President	2.00 ................. 0.00	X	X
(2) Scott Griffin...................................................................... Past President	2.00 ................. 0.00	X	X
(3) Audrey Boissonou...................................................................... Vice President	2.00 ................. 0.00	X	X
(4) Karen Bates...................................................................... President	5.00 ................. 0.00	X	X
(5) Gena Pasquini...................................................................... Secretary	2.00 ................. 0.00	X	X
(6) Nelson Otero...................................................................... Treasurer	2.00 ................. 0.00	X	X
(7) Dawn Cychner...................................................................... President Elect	5.00 ................. 0.00	X	X
(8) Constance Griggs Lazzeroni...................................................................... State Rep	1.00 ................. 0.00	X
(9) Guy Schwartz...................................................................... State Rep	1.00 ................. 0.00	X
(10) Debra Reinhardt...................................................................... State Rep	1.00 ................. 0.00	X
(11) Ron Henderson...................................................................... State Rep	1.00 ................. 0.00	X
(12) Bill Moore...................................................................... State Rep	1.00 ................. 0.00	X
(13) Narbik Karamian...................................................................... State Rep	1.00 ................. 0.00	X
(14) Mark Ayton...................................................................... State Rep	1.00 ................. 0.00	X
(15) Houtan Hormozian...................................................................... State Rep	1.00 ................. 0.00	X
(16) Melanie McAllister...................................................................... State Rep	1.00 ................. 0.00	X
(17) Theresa Ballard...................................................................... State Rep	1.00 ................. 0.00	X

(A)
Name and title

(B)
Average hours per week (list any hours for related organizations below dotted line)

(D)
Reportable compensation from the organization (W-2/1099-MISC)

(E)
Reportable compensation from related organizations (W-2/1099-MISC)

(F)
Estimated amount of other compensation from the organization and related organizations

(1) Leo Whitton......................................................................
Vice President

2.00
.................
0.00

(2) Scott Griffin......................................................................
Past President

2.00
.................
0.00

(3) Audrey Boissonou......................................................................
Vice President

2.00
.................
0.00

(4) Karen Bates......................................................................
President

5.00
.................
0.00

(5) Gena Pasquini......................................................................
Secretary

2.00
.................
0.00

(6) Nelson Otero......................................................................
Treasurer

2.00
.................
0.00

(7) Dawn Cychner......................................................................
President Elect

5.00
.................
0.00

(8) Constance Griggs Lazzeroni......................................................................
State Rep

1.00
.................
0.00

(9) Guy Schwartz......................................................................
State Rep

1.00
.................
0.00

(10) Debra Reinhardt......................................................................
State Rep

1.00
.................
0.00

(11) Ron Henderson......................................................................
State Rep

1.00
.................
0.00

(12) Bill Moore......................................................................
State Rep

1.00
.................
0.00

(13) Narbik Karamian......................................................................
State Rep

1.00
.................
0.00

(14) Mark Ayton......................................................................
State Rep

1.00
.................
0.00

(15) Houtan Hormozian......................................................................
State Rep

1.00
.................
0.00

(16) Melanie McAllister......................................................................
State Rep

1.00
.................
0.00

(17) Theresa Ballard......................................................................
State Rep

1.00
.................
0.00

(A)
Name and title

(B)
Average hours per week (list any hours for related organizations below dotted line)

(D)
Reportable compensation from the organization (W-2/1099-MISC)

(E)
Reportable compensation from related organizations (W-2/1099-MISC)

(F)
Estimated amount of other compensation from the organization and related organizations

(18) Michelle Velez........................................................................
State Rep

1.00
.......................0.00

(19) Jesse Hernandez........................................................................
State Rep

1.00
.......................0.00

(20) Cindy Wingo........................................................................
State Rep

1.00
.......................0.00

(21) Sonia Huang........................................................................
State Rep

1.00
.......................0.00

(22) Maureen Kilbourne........................................................................
Advisory Dir

1.00
.......................0.00

(23) Dale DiGenarro........................................................................
Advisory Dir

1.00
.......................0.00

(24) Brian Weide........................................................................
Advisory Dir

1.00
.......................0.00

(25) Valerie Saunders........................................................................
Executive Dir.

40.00
.......................0.00

(A)
Name and business address

(B)
Description of services

The Wheeler Company

1022 G Street
Sacramento,CA95814

Mgmt Services

124,750

Total number of independent contractors (including but not limited to those listed above) who received more than $100,000 of compensation from the organization MediumBullet

- TIN:

SCHEDULE O
(Form 990 or 990-EZ)

Department of the Treasury
Internal Revenue Service

Supplemental Information to Form 990 or 990-EZ

Complete to provide information for responses to specific questions on
Form 990 or 990-EZ or to provide any additional information.
MediumBullet

Attach to Form 990 or 990-EZ.
MediumBullet

Go to www.irs.gov/Form990 for the latest information.

OMB No. 1545-0047

2019

Open to Public
Inspection

Name of the organization

California Association of Mortgage
Professionals

Employer identification number

33-0410547

Return Reference	Explanation
Form 990, Part VI, Line 3: Description of Delegated Duties to Management Company	The Association contracted with The Wheeler Company to perform management, administrative and accounting duties from 7/1/17 until 1/1/18. As of 2/1/18, a new contract was made with NAMB Services to perform management, administrative and accounting duties.
Form 990, Part VI, Line 6: Explanation of Classes of Members or Shareholder	Membership in the Association is extended to persons involved in or associated with the business or profession of mortgage loan origination, who have a place of business in California.Professional members are the managers, owners, or brokers of record, or CAMP members in good standing for 5 years or more and whose primary business is retail or wholesale loan origination. In addition, they hold in good standing a Mortgage Loan Origination (MLO) license and/or endorsement issued by the State of California. Professional members have voting privileges, and may serve on the State Board of Directors and as officers of the association.Associate members are mortgage loan originators who are not brokers of record, owners or managers at their employing companies, and who have in good standing a California issued MLO license, a license endorsement, or have a registered MLO number within the NMLS system. Associate members have voting privileges in the affairs of the Association, and may serve on the State Board of Directors; however, they may not serve as an officer of the Association (i.e., Executive Committee).Support Staff members are non-licensed employees who perform administrative, processing, etc. duties for a Professional, Associate, or Affiliate member in good standing at the same physical location. Support Staff members do not have voting privileges and may not serve as a Director on the State Board of Directors, but may serve on committees.An Affiliate member is an individual whose business is other than that of retail loan origination (e.g.,appraiser, bank, title officer, lender, attorney, vendor, etc.), but who has an interest in supporting mortgage professionals in general, and the Association, in particular. Affiliate members have voting privileges, may servo on committees and may serve as an Advisory Director on the State Board of Directors (appointed by the Board as stipulated in Article V, Board of Directors, Section 11, Advisory Directors).Statewide Industry Partner members are companies whose primary business activity is other than that of retail loan origination and who have a statewide presence. Membership includes a designated number of additional company representatives. Industry Partner members may serve on the Statewide Industry Partners Advisory Committee. Primary member has voting privileges, may serve on committees, and may serve as an Advisory Director on the State Board of Directors (appointed by the Board as stipulated in Article V, Board of Directors, Section 11, Advisory Directors).Broker/Banker Company Membership also known as Statewide Plus - Mortgage loan origination companies or branch offices that are comprised of one Professional member and up to 39 loan originators in addition to the Professional member, whose primary business is retail loan origination. There shall be only one designated contact for the company who shall have one vote in CAMP affairs, representing the will of the company. All listed members of CAMP working for this company must be licensed MLOs, registered MLOs, or qualify as support staff. Additional employees of a member company may join CAMP for a dues amount greater than that paid for the company membership.
Form 990, Part VI, Line 11b: Form 990 Review Process	Form 990 is prepared by a firm of certified public accountants and reviewed by management prior to filing.
Form 990, Part VI, Line 19: Other Organization Documents Publicly Available	Form 990 is available for public inspection at the Association's business office upon request.

For Paperwork Reduction Act Notice, see the Instructions for Form 990 or 990-EZ.

Cat. No. 51056K

Schedule O (Form 990 or 990-EZ) 2019

Additional Data

Software ID:	17005038
Software Version:	2017v2.2

1	Briefly describe the organization’s mission or most significant activities: Our mission is to advocate on behalf of responsible mortgage professionals and consumers for the availability of affordable financing, while promoting expert knowledge, accountability, sound lending and ethical conduct throughout the mortgage industry.
2	Check this box
3	Number of voting members of the governing body (Part VI, line 1a) ........	3	24
4	Number of independent voting members of the governing body (Part VI, line 1b) .....	4	24
5	Total number of individuals employed in calendar year 2019 (Part V, line 2a) ......	5	0
6	Total number of volunteers (estimate if necessary) .............	6	25
7a	Total unrelated business revenue from Part VIII, column (C), line 12 ........	7a	0
b	Net unrelated business taxable income from Form 990-T, line 39 .........	7b

		Prior Year	Current Year
8	Contributions and grants (Part VIII, line 1h) .........		0
9	Program service revenue (Part VIII, line 2g) .........	603,790	500,206
10	Investment income (Part VIII, column (A), lines 3, 4, and 7d ) ....	1	8
11	Other revenue (Part VIII, column (A), lines 5, 6d, 8c, 9c, 10c, and 11e)	8,766	18,430
12	Total revenue—add lines 8 through 11 (must equal Part VIII, column (A), line 12)	612,557	518,644
13	Grants and similar amounts paid (Part IX, column (A), lines 1–3 )...		0
14	Benefits paid to or for members (Part IX, column (A), line 4).....		0
15	Salaries, other compensation, employee benefits (Part IX, column (A), lines 5–10)		0
16a	Professional fundraising fees (Part IX, column (A), line 11e) .....		0
b	Total fundraising expenses (Part IX, column (D), line 25) 0
17	Other expenses (Part IX, column (A), lines 11a–11d, 11f–24e)....	587,012	473,184
18	Total expenses. Add lines 13–17 (must equal Part IX, column (A), line 25)	587,012	473,184
19	Revenue less expenses. Subtract line 18 from line 12.......	25,545	45,460
		Beginning of Current Year	End of Year
20	Total assets (Part X, line 16).............	268,713	326,234
21	Total liabilities (Part X, line 26).............	65,441	77,502
22	Net assets or fund balances. Subtract line 21 from line 20.....	203,272	248,732

Sign Here

	Signature of officer	Date

	Type or print name and title


4a	(Code: ) (Expenses $ including grants of $ ) (Revenue $ )
	The Associations primary activities are: (1) providing mortgage professionals with accredited continuing educational opportunities and enrichment programs designed to raise industry standards and customer service; (2) strengthening consumer awareness of mortgage origination services; (3) providing CAMP members with information and advocacy opportunities regarding state and federal legislative and regulatory developments related to the industry so that we can advocate on behalf of home ownership and housing affordability for all Californians; (4) providing mortgage professionals the opportunity to network and learn from each other.

4b	(Code: ) (Expenses $ including grants of $ ) (Revenue $ )












4c	(Code: ) (Expenses $ including grants of $ ) (Revenue $ )












4d	Other program services (Describe in Schedule O.)
	(Expenses $ including grants of $ ) (Revenue $ )
4e	Total program service expenses

1b	Sub-Total................
c	Total from continuation sheets to Part VII, Section A....
d	Total (add lines 1b and 1c)...........

1a	Federated campaigns..		1a
b	Membership dues..		1b
c	Fundraising events..		1c
d	Related organizations		1d
e	Government grants (contributions)		1e

f	All other contributions, gifts, grants, and similar amounts not included above		1f

g	Noncash contributions included in lines 1a - 1f:$		1g

h Total. Add lines 1a-1f.......		0

		Business Code
2a	Convention	541900	110,834	110,834
b	Education session/seminar	541900	133,663	133,663
c	Legislative activity		29,278	29,278
d	Membership Dues & Assessments	541900	186,154	186,154
e	Trade show/Special events	541900	19,497	19,497
f	All other program service revenue.		20,780	20,780
g	Total. Add lines 2a–2f .....		500,206

3 Investment income (including dividends, interest, and othersimilar amounts) ......			8			8
4 Income from investment of tax-exempt bond proceeds			0
5 Royalties...........			0
		(ii) Personal	(i) Real
6a	Gross rents			6a
b	Less: rental expenses			6b
c	Rental income or (loss)			6c
d	Net rental income or (loss).......			0
		(ii) Other	(i) Securities
7a	Gross amount from sales of assets other than inventory			7a
b	Less: cost or other basis and sales expenses			7b
c	Gain or (loss)			7c
d	Net gain or (loss).........			0
8a	Gross income from fundraising events (not including $ of contributions reported on line 1c). See Part IV, line 18 ....
			8a
b	Less: direct expenses ...		8b
c	Net income or (loss) from fundraising events..			0
9a	Gross income from gaming activities. See Part IV, line 19 ...
			9a
b	Less: direct expenses ...		9b
c	Net income or (loss) from gaming activities..			0
10a	Gross sales of inventory, less returns and allowances ..
			10a
b	Less: cost of goods sold ..		10b
c	Net income or (loss) from sales of inventory..			0
Business Code			Miscellaneous Revenue
11a	Miscellaneous		900099	18,430			18,430
b
c
d	All other revenue ....
e	Total. Add lines 11a–11d ......			18,430
12	Total revenue. See instructions.....			518,644	500,206		18,438

1	Grants and other assistance to domestic organizations and domestic governments. See Part IV, line 21 ....	0
2	Grants and other assistance to domestic individuals. See Part IV, line 22 ...........	0
3	Grants and other assistance to foreign organizations, foreign governments, and foreign individuals. See Part IV, lines 15 and 16. .............	0
4	Benefits paid to or for members .......	0
5	Compensation of current officers, directors, trustees, and key employees ...........	0
6	Compensation not included above, to disqualified persons (as defined under section 4958(f)(1)) and persons described in section 4958(c)(3)(B) .........	0
7	Other salaries and wages........	0
8	Pension plan accruals and contributions (include section 401(k) and 403(b) employer contributions) ....	0
9	Other employee benefits .......	0
10	Payroll taxes ...........	0
11	Fees for services (non-employees):
a	Management ......	122,840
b	Legal .........	0
c	Accounting ...........	3,065
d	Lobbying ...........	0
e	Professional fundraising services. See Part IV, line 17	0
f	Investment management fees ......	0
g	Other (If line 11g amount exceeds 10% of line 25, column (A) amount, list line 11g expenses on Schedule O)	2,715
12	Advertising and promotion ....	5,025
13	Office expenses .......	439
14	Information technology ......	8,008
15	Royalties ..	0
16	Occupancy ...........	10,595
17	Travel ............	688
18	Payments of travel or entertainment expenses for any federal, state, or local public officials .	0
19	Conferences, conventions, and meetings ....	158,227
20	Interest ...........	0
21	Payments to affiliates .......	0
22	Depreciation, depletion, and amortization ..	0
23	Insurance ...	0
24	Other expenses. Itemize expenses not covered above (List miscellaneous expenses in line 24e. If line 24e amount exceeds 10% of line 25, column (A) amount, list line 24e expenses on Schedule O.)
a	Education and seminars	77,357
b	Membership Development	37,404
c	Legislative Expenses	18,347
d	Credit Card Fees	9,422
e	All other expenses	19,052
25	Total functional expenses. Add lines 1 through 24e	473,184	0	0	0
26	Joint costs. Complete this line only if the organization reported in column (B) joint costs from a combined educational campaign and fundraising solicitation. Check here if following SOP 98-2 (ASC 958-720).

1	Cash–non-interest-bearing ........		267,789	1	326,034
2	Savings and temporary cash investments .........			2	0
3	Pledges and grants receivable, net ......			3	0
4	Accounts receivable, net .............			4	0
5	Loans and other payables to any current or former officer, director, trustee, key employee, creator or founder, substantial contributor, or 35% controlled entity or family member of any of these persons .......
				5	0
6	Loans and other receivables from other disqualified persons (as defined under section 4958(f)(1)), and persons described in section 4958(c)(3)(B) ...
				6	0
7	Notes and loans receivable, net ...........			7	0
8	Inventories for sale or use ............			8	0
9	Prepaid expenses and deferred charges ......		924	9	200
10a	Land, buildings, and equipment: cost or other basis. Complete Part VI of Schedule D	10a
b	Less: accumulated depreciation	10b		10c	0
11	Investments—publicly traded securities .			11	0
12	Investments—other securities. See Part IV, line 11 .....			12	0
13	Investments—program-related. See Part IV, line 11 ..			13	0
14	Intangible assets ...............			14	0
15	Other assets. See Part IV, line 11 ...........			15	0
16	Total assets. Add lines 1 through 15 (must equal line 33)...		268,713	16	326,234

17	Accounts payable and accrued expenses .....	600	17	5,104
18	Grants payable ...		18
19	Deferred revenue .........	64,841	19	72,398
20	Tax-exempt bond liabilities .........		20
21	Escrow or custodial account liability. Complete Part IV of Schedule D		21
22	Loans and other payables to any current or former officer, director, trustee, key employee, creator or founder, substantial contributor, or 35% controlled entity or family member of any of these persons .........
			22
23	Secured mortgages and notes payable to unrelated third parties ..		23
24	Unsecured notes and loans payable to unrelated third parties ..		24
25	Other liabilities (including federal income tax, payables to related third parties, and other liabilities not included on lines 17 - 24). Complete Part X of Schedule D		25
26	Total liabilities. Add lines 17 through 25..	65,441	26	77,502

	Organizations that follow FASB ASC 958, check here and complete lines 27, 28, 32, and 33.
27	Net assets without donor restrictions ..........		27
28	Net assets with donor restrictions ...........		28
	Organizations that do not follow FASB ASC 958, check here and complete lines 29 through 33.
29	Capital stock or trust principal, or current funds .....		29
30	Paid-in or capital surplus, or land, building or equipment fund ...		30
31	Retained earnings, endowment, accumulated income, or other funds		31
32	Total net assets or fund balances ...........	203,272	32	248,732
33	Total liabilities and net assets/fund balances ........	268,713	33	326,234

Limits on Lobbying Expenditures (The term "expenditures" means amounts paid or incurred.)		(b) Affiliated group totals
1a	Total lobbying expenditures to influence public opinion (grass roots lobbying) ......................
b	Total lobbying expenditures to influence a legislative body (direct lobbying) ........................
c	Total lobbying expenditures (add lines 1a and 1b) ............................................................
d	Other exempt purpose expenditures ...............................................................................
e	Total exempt purpose expenditures (add lines 1c and 1d) ..................................................
f	Lobbying nontaxable amount. Enter the amount from the following table in both columns.
	If the amount on line 1e, column (a) or (b) is:The lobbying nontaxable amount is:
	Not over $500,00020% of the amount on line 1e.
	Over $500,000 but not over $1,000,000$100,000 plus 15% of the excess over $500,000.
	Over $1,000,000 but not over $1,500,000$175,000 plus 10% of the excess over $1,000,000.
	Over $1,500,000 but not over $17,000,000$225,000 plus 5% of the excess over $1,500,000.
	Over $17,000,000$1,000,000.

g	Grassroots nontaxable amount (enter 25% of line 1f) .................................................
h	Subtract line 1g from line 1a. If zero or less, enter -0-. ................................................
i	Subtract line 1f from line 1c. If zero or less, enter -0-. ................................................
j	If there is an amount other than zero on either line 1h or line 1i, did the organization file Form 4720 reporting section 4911 tax for this year? ...................................................................................................................	Yes No

4-Year Averaging Period Under Section 501(h) (Some organizations that made a section 501(h) election do not have to complete all of the five columns below. See the separate instructions for lines 2a through 2f.)
Lobbying Expenditures During 4-Year Averaging Period
	Calendar year (or fiscal year beginning in)	(a) 2016	(b) 2017	(c) 2018	(d) 2019	(e) Total

2a	Lobbying nontaxable amount

b	Lobbying ceiling amount (150% of line 2a, column(e))

c	Total lobbying expenditures

d	Grassroots nontaxable amount

e	Grassroots ceiling amount (150% of line 2d, column (e))

f	Grassroots lobbying expenditures

(a) Name	(b) Address	(c) EIN	(d) Amount paid from filing organization's funds. If none, enter -0-.	(e) Amount of political contributions received and promptly and directly delivered to a separate political organization. If none, enter -0-.
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