TY 2023 Form 990EZ

(a) Name and title	(b) Average hours per week devoted to position	(c) Reportable compensation (Forms W-2/1099-MISC) (if not paid, enter -0-)	(d) Health benefits, contributions to employee benefit plans, and deferred compensation	(e) Estimated amount of other compensation
Yvette Clermont CMB AMP President	2.00	0
Sherry Wenrich PRESIDENT ELECT	2.00	0
Robert Villalon Vice President	2.00	0
Timothy Bazell Treasurer	2.00	0
Bob Niemi CMB 2Vice President	2.00	0
Caitlin Guerra Executive Dir.	55.00	0
Doug Leever Past President	2.00	0
Eric Prutsman Legislative Rep	2.00	0
Christie Buff AMP Director	0	0
Dylan Rodriguez Director	0	0
Sandy Garcia Director	0	0

(a) Name and title

(b) Average
hours per week
devoted to position

(c) Reportable compensation
(Forms W-2/1099-MISC) (if not paid, enter -0-)

(d) Health benefits, contributions to employee benefit plans, and
deferred compensation

(e) Estimated amount
of other compensation

Yvette Clermont CMB AMP

President

2.00

Sherry Wenrich

PRESIDENT ELECT

2.00

Robert Villalon

Vice President

2.00

Timothy Bazell

Treasurer

2.00

Bob Niemi CMB

2Vice President

2.00

Caitlin Guerra

Executive Dir.

55.00

Doug Leever

Past President

2.00

Eric Prutsman

Legislative Rep

2.00

Christie Buff AMP

Director

Dylan Rodriguez

Director

Sandy Garcia

Director

(a) Name and title of each employee

(b) Average
hours per week
devoted to position

(c) Reportable compensation
(Forms W-2/1099-MISC)

(d) Health benefits, contributions to employee benefit plans, and deferred compensation

(e) Estimated amount of other compensation

NONE

(a) Name and business address of each independent contractor

(b) Type of service

(c) Compensation

NONE

- TIN:

SCHEDULE O
(Form 990)

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.
Attach to Form 990 or 990-EZ.
Go to www.irs.gov/Form990 for the latest information.

OMB No. 1545-0047

2023

Open to Public
Inspection

Name of the organization

Mortgage Bankers Association of FL

Employer identification number

59-1029259

Return Reference	Explanation
Other Expenses.1001	Advertising and Promotion $4671
Other Expenses.1002	Office Expenses $1293
Other Expenses.1005	Travel $1
Other Expenses.1012	Insurance $1046
Other Expenses.1	Conv & Sec Conf $46720
Other Expenses.2	Mgmt Mkt'g Updates $8120
Other Expenses.3	Credit Card Fees $7949
Other Expenses.4	LO Summit $5325
Other Expenses.5	Miscellaneous $2920
Other Expenses.6	Website Rebuild $2400
Other Expenses.7	Board & Committe $1929
Other Expenses.8	Emails/Mailchimp $1135
Other Expenses.9	Dues & Suscriptions $1100
Other Expenses.10	Website $720
Other Expenses.11	Conference Calls $240
Other Expenses.13	Licenses and Permits $61
Other Assets.1005	Accounts Receivable - Beginning $6960 Accounts Receivable - Ending $8007
Total Liabilities.1003	Deferred Revenue - Beginning $9400 Deferred Revenue - Ending $15250
Form 990 Part VI Section A Line 6	The organization is a trade association under 501(c)(6) of the IRS code and all members are individuals or companies who pay annual membership dues.
Form 990 Part VI Section B Line 7a	Members of the governing body are elected by vote of the membership at an annual meeting held at the annual convention.
Form 990 Part VI Section B Line 11	A copy of the tax return is reviewed by board members.
Form 990 Part VI Section B Line 15a	The executive directors compensation is determined by the executive committee through the annual budget process.
Form 990 Part VI Section C Line 19	The organizations documents, policies and financial statements are made available upon request at the organizations offices.

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

Cat. No. 51056K

Schedule O (Form 990) 2023

Additional Data

Software ID:	23017517
Software Version:	2023v5.1

1	Contributions, gifts, grants, and similar amounts received ....................	1
2	Program service revenue including government fees and contracts ................	2	134,924
3	Membership dues and assessments .............................	3	45,700
4	Investment income ....................................	4	1
5a	Gross amount from sale of assets other than inventory .......	5a
b	Less: cost or other basis and sales expenses ............	5b	0
c	Gain or (loss) from sale of assets other than inventory (Subtract line 5b from line 5a) ......	5c
6	Gaming and fundraising events
a	Gross income from gaming (attach Schedule G if greater than $15,000)	6a
b	Gross income from fundraising events (not including $ of contributions from fundraising events reported on line 1) (attach Schedule G if the			sum of such gross income and contributions exceeds $15,000) ..	6b	0
c	Less: direct expenses from gaming and fundraising events ...	6c	0
d	Net income or (loss) from gaming and fundraising events (add lines 6a and 6b and subtract line 6c)	6d
7a	Gross sales of inventory, less returns and allowances ......	7a
b	Less: cost of goods sold .............	7b	0
c	Gross profit or (loss) from sales of inventory (Subtract line 7b from line 7a) .........	7c
8	Other revenue (describe in Schedule O) ....................	8
9	Total revenue. Add lines 1, 2, 3, 4, 5c, 6d, 7c, and 8 ..............	9	180,625

10	Grants and similar amounts paid (list in Schedule O) ................	10
11	Benefits paid to or for members ......................	11
12	Salaries, other compensation, and employee benefits ................	12
13	Professional fees and other payments to independent contractors ............	13	73,545
14	Occupancy, rent, utilities, and maintenance ...................	14
15	Printing, publications, postage, and shipping ...................	15	65
16	Other expenses (describe in Schedule O) ...................	16	85,630
17	Total expenses. Add lines 10 through 16 .................	17	159,240

18	Excess or (deficit) for the year (Subtract line 17 from line 9) ............	18	21,385
19	Net assets or fund balances at beginning of year (from line 27, column (A)) (must agree with
	end-of-year figure reported on prior year’s return) .................	19	74,670
20	Other changes in net assets or fund balances (explain in Schedule O) ...........	20
21	Net assets or fund balances at end of year. Combine lines 18 through 20 ..........	21	96,055

Part ⅢStatement of Program Service Accomplishments (see the instructions for Part III) Check if the organization used Schedule O to respond to any question in this Part III . .	Expenses (Required for section 501(c)(3) and 501(c)(4) organizations; optional for others.)
What is the organization's primary exempt purpose? The Mortgage Bankers Association of Florida MBAF has integrated the states diverse real estate finance industry into a unified service organization promoting sound and ethical business practices.
Describe the organization’s program service accomplishments for each of its three largest program services, as measured by expenses. In a clear and concise manner, describe the services provided, the number of persons benefited, and other relevant information for each program title.
28 1. Held two successful LO Summits in Spring and Fall with close 100 attendees.2. Continue to have strong voice for the mortgage industry in Tallahassee with our lobbyist, Eric Prutsman.3. Had an outstanding Annual Convention and Secondary Conference in June 2024 with 150+ attendees and motivating speakers and panelists.4. For the first time, had a President that is a Top 1% Producing Loan Officer.5. Successful first year with a new association manager, Confluent Strategies, for association management. This was a large undertaking and major accomplishment.6. Installed an awesome new Board for 2024-2025 with a new President of the MBA of Florida-Sherry Weinrich. (Grants $ ) If this amount includes foreign grants, check here ...			28a	159,240
29 (Grants $ ) If this amount includes foreign grants, check here ...			29a
30 (Grants $ ) If this amount includes foreign grants, check here ...			30a
31 Other program services (describe in Schedule O) ................ (Grants $ ) If this amount includes foreign grants, check here...	31a
32 Total program service expenses (add lines 28a through 31a)..........	32	159,240

Sign Here

	Signature of officer	Date

	Type or print name and title

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) 2019	(b) 2020	(c) 2021	(d) 2022	(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