State Licenses & Regulatory Information
Cambria Mortgage is a fully licensed and regulated mortgage broker serving veterans and homebuyers across eight states. We comply with all federal and state mortgage lending regulations.
NMLS Registration & Licensing
The Nationwide Multistate Licensing System (NMLS) is the official registry for mortgage loan originators and mortgage companies in the United States. All mortgage professionals are required to be registered and licensed through NMLS.
Company Information
Verify Our License
You can verify our licensing information and view our complete regulatory history through the NMLS Consumer Access website, a free public resource maintained by the Conference of State Bank Supervisors (CSBS).
✓ Why NMLS Matters
The NMLS system protects consumers by ensuring all mortgage professionals meet education, testing, and background check requirements. It also provides transparency by making licensing information publicly available.
Equal Housing Opportunity
Cambria Mortgage is committed to fair lending practices and complies with all federal fair housing laws.
Regulatory Compliance
- Licensed: 8 states (AZ, CO, FL, IA, MN, ND, SD, WI)
- Licensed, or Simply NMLS Registered: Licensed and Registered
- Background Checked: FBI and 8 State
- Continuing Education: Current
- Bonded & Insured: Full Coverage
State-by-State Licensing Information
Joe Metzler is licensed to originate mortgage loans in the following states
Arizona
Regulated by Arizona Department of Financial Institutions
Colorado
Regulated by Colorado Division of Real Estate
Florida
Regulated by Florida Office of Financial Regulation
Iowa
Regulated by Iowa Division of Banking
Minnesota
Regulated by Minnesota Department of Commerce
North Dakota
Regulated by North Dakota Department of Financial Institutions
South Dakota
Regulated by South Dakota Division of Banking
Wisconsin
Regulated by Wisconsin Department of Financial Institutions
Regulatory Oversight & Consumer Protection
We comply with all federal and state mortgage regulations
SAFE Act Compliance
The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) requires all mortgage loan originators to be licensed, pass background checks, complete pre-licensing education, and maintain continuing education. Joe Metzler is fully compliant with all SAFE Act requirements.
Equal Housing Opportunity
Cambria Mortgage is an Equal Housing Lender and complies with the Fair Housing Act, Equal Credit Opportunity Act, and all federal fair lending laws. We do not discriminate based on race, color, religion, national origin, sex, familial status, or disability.
Consumer Financial Protection Bureau (CFPB)
We comply with all CFPB regulations including TRID (TILA-RESPA Integrated Disclosure), which ensures consumers receive clear, transparent information about mortgage costs and terms. All loan estimates and closing disclosures meet federal requirements.
Privacy & Data Security
Cambria Mortgage complies with the Gramm-Leach-Bliley Act (GLBA) to protect your personal financial information. We maintain strict data security protocols and never share your information without your consent. See our Privacy Policy for details.
Truth in Lending Act (TILA)
We provide all required Truth in Lending disclosures, including Annual Percentage Rate (APR), finance charges, amount financed, and total payments. You will receive a Loan Estimate within three business days of application and a Closing Disclosure at least three business days before closing.
State Regulatory Agencies
Cambria Mortgage is subject to examination and oversight by the state regulatory agencies in all eight states where we are licensed. We maintain all required bonds, errors and omissions insurance, and comply with state-specific mortgage lending laws.
Consumer Resources & Complaints
Your rights and how to file a complaint if needed
Contact Us Directly
If you have any concerns or complaints about your loan or our service, please contact us directly first. We are committed to resolving any issues quickly and fairly.
- Phone: (651) 552-3681
- Email: Joe.Metzler@CambriaMortgage.com
State Regulators
If you need to file a complaint with a state regulatory agency, contact the Department of Commerce or Financial Institutions in the state where your property is located.
Find State RegulatorCFPB Consumer Complaints
The Consumer Financial Protection Bureau accepts complaints about mortgage lenders and servicers. You can submit a complaint online or by phone.
File CFPB ComplaintWork with a Licensed, Experienced VA Loan Specialist
Over 25 years of experience helping veterans across 8 states. Fully licensed, bonded, and insured.
Start Your VA Loan Application →Or call Joe directly: (651) 552-3681