Arizona Mortgage Lenders Association

Special Interest

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By Nikki Krukovsky


Arizona Mortgage Lenders Association (AMLA) was founded in 1958 and was established for its members, by its members. The main reason the association was formed decades ago was for industry professionals to network and share best practices.  AMLA is a nonprofit association for those in the mortgage lending industry – with a national affiliation to the Mortgage Bankers Association in Washington, D.C. Its regular membership includes retail mortgage bankers, mortgage brokers, wholesale lenders, correspondent lenders, warehouse lenders and credit unions – the association also has associate and vendor members who provide products and services to the industry. Today, AMLA is 100 member companies strong and growing.   

Staying connected with lawmakers at both state and federal level is critical to AMLA’s influence in the real estate and mortgage industry. The recent addition of Lobbyist, Tom Farley from Willetta Partners, has shown to be beneficial as they have already been advocating for AMLA with local lawmakers. Some recent topics or issues this party has addressed that has made a difference includes the recent passing of the HB 2169 that will allow Department of Financial Institutions (DFI) to adopt the Uniform State Testing (UST) for state-licensed loan officers in Arizona.  The bill was signed by Governor Ducey on March 30, 2015.

On the national level, AMLA supports the Mortgage Action Alliance, Inc. (MAA) which is a voluntary, non-partisan and free nationwide grassroots lobbying network. MAA is dedicated to strengthening the industry’s voice and lobbying power in Washington, DC as well as state capitals across America. This party is especially helpful in circumstances involving state and local housing issues as well as assisting its membership with addressing the regulatory and financial reform environment we are now experiencing.

Knowledge is power and key for any successful mortgage lending professional particularly with the consistent changes occurring in our industry. AMLA supports joint events, such as the Annual Industry Partners Conference to promote cross education between Mortgage Lenders, Escrow Agents and Realtors in addition to various networking events held throughout the year.

Focusing on these fundamental values ensures members and business partners continue to receive value from the organization. Our goal is to have a meaningful impact in the overall housing industry.

Nikki Krukovsky has been a proud member of the Desert Schools FCU family since 1990. She has worked as Mortgage Loan Officer, Mortgage Sales Manager and now the Sr. Director of Mortgage Origination. Nikki has held various positions for Arizona Mortgage Lenders Association and currently serves as President. Nikki can be reached at or by phone at 602-336-5581.