Civic Intelligence

Neighborhood Capital Funding Inc

EIN 11-3829932 • 501(c)3 • Lansing, MI

Profile

To make/service below-market-rate mortgage loans to primarily low income persons who purchase homes built by habitat for humanity.

618 S Creyts Rd Suite CLansing, MI 48917

www.affiliatemtg.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

92nd percentile

0.94x

Higher debt load relative to assets than 92% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Liabilities / Revenue

96th percentile

8.80x

Higher debt load relative to revenue than 96% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Net Margin

26th percentile

-3.6%

Higher net margin than 26% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Top Officer Pay

57th percentile

$206,653

Higher top officer pay than 57% of similar nonprofits.

Top officer pay equals 10.5% of source-year revenue.

501(c)3 • $10M-$25M nonprofits • Source year 2025

Asset Growth

56th percentile

6.1%

Faster asset growth than 56% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Revenue Growth

56th percentile

9.9%

Faster revenue growth than 56% of similar nonprofits.

501(c)3 • $10M-$25M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Up

$18,474,393

Up $1,059,311 (+6.1%) from 2024

Liabilities

Up

$17,402,810

Up $1,130,079 (+6.9%) from 2024

Net Assets

Down

$1,071,583

Down $70,768 (-6.2%) from 2024

Operations
Liabilities / Revenue96th percentileNet Margin26th percentile

Revenue

Up

$1,977,374

Up $178,459 (+9.9%) from 2024

Expenses

Up

$2,048,142

Up $247,076 (+14%) from 2024

Net Income

Down

-$70,768

Down $68,617 (-3190%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth56th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$20M$15M$10M$5.0M$0Assets 2011: $104,843Liabilities 2011: $4,139Net Assets 2011: $100,7042011Assets 2012: $176,068Liabilities 2012: $70,117Net Assets 2012: $105,9512012Assets 2013: $214,328Liabilities 2013: $68,481Net Assets 2013: $145,8472013Assets 2014: $241,131Liabilities 2014: $82,598Net Assets 2014: $158,5332014Assets 2015: $343,685Liabilities 2015: $86,662Net Assets 2015: $257,0232015Assets 2016: $356,066Liabilities 2016: $81,591Net Assets 2016: $274,4752016Assets 2017: $2,188,349Liabilities 2017: $1,818,686Net Assets 2017: $369,6632017Assets 2018: $3,641,118Liabilities 2018: $3,193,169Net Assets 2018: $447,9492018Assets 2019: $3,531,740Liabilities 2019: $3,029,704Net Assets 2019: $502,0362019Assets 2020: $12,317,899Liabilities 2020: $11,650,028Net Assets 2020: $667,8712020Assets 2021: $13,673,430Liabilities 2021: $12,743,979Net Assets 2021: $929,4512021Assets 2022: $14,127,520Liabilities 2022: $13,005,999Net Assets 2022: $1,121,5212022Assets 2023: $15,101,929Liabilities 2023: $13,957,427Net Assets 2023: $1,144,5022023Assets 2024: $17,415,082Liabilities 2024: $16,272,731Net Assets 2024: $1,142,3512024Assets 2025: $18,474,393Liabilities 2025: $17,402,810Net Assets 2025: $1,071,5832025

Highlighted filing

2025

Assets$18,474,393
Liabilities$17,402,810
Net Assets$1,071,583
Open 2025 Filing

Operations Trend

Revenue Growth56th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2011: $298,6422011Revenue 2012: $354,120Expenses 2012: $348,873Net Income 2012: $5,2472012Revenue 2013: $438,064Expenses 2013: $398,168Net Income 2013: $39,8962013Revenue 2014: $486,658Expenses 2014: $476,162Net Income 2014: $10,4962014Revenue 2015: $698,371Expenses 2015: $599,881Net Income 2015: $98,4902015Revenue 2016: $737,302Expenses 2016: $719,850Net Income 2016: $17,4522016Revenue 2017: $973,070Expenses 2017: $877,882Net Income 2017: $95,1882017Revenue 2018: $1,178,866Expenses 2018: $1,100,580Net Income 2018: $78,2862018Revenue 2019: $1,395,128Expenses 2019: $1,341,041Net Income 2019: $54,0872019Revenue 2020: $1,639,290Expenses 2020: $1,473,455Net Income 2020: $165,8352020Revenue 2021: $1,722,750Expenses 2021: $1,461,170Net Income 2021: $261,5802021Revenue 2022: $1,675,905Expenses 2022: $1,483,835Net Income 2022: $192,0702022Revenue 2023: $1,635,265Expenses 2023: $1,612,284Net Income 2023: $22,9812023Revenue 2024: $1,798,915Expenses 2024: $1,801,066Net Income 2024: -$2,1512024Revenue 2025: $1,977,374Expenses 2025: $2,048,142Net Income 2025: -$70,7682025

Highlighted filing

2025

Revenue$1,977,374
Expenses$2,048,142
Net Income-$70,768
Open 2025 Filing

Filings

Most recent year

2025 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$18,474,393
Liabilities
$17,402,810
Net assets
$1,071,583
Revenue
$1,977,374
Expenses
$2,048,142
Net income
-$70,768
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$18.5$17.4$1.07$1.98$2.05$0.07
2024Detailed filing. Detailed filing data is available for this year.$17.4$16.3$1.14$1.80$1.80$0.00
2023Facts available. Structured filing facts are available, but richer extracted sections are limited.$15.1$14.0$1.14$1.64$1.61$0.02
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$14.1$13.0$1.12$1.68$1.48$0.19
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.7$12.7$0.93$1.72$1.46$0.26
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$12.3$11.7$0.67$1.64$1.47$0.17
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.53$3.03$0.50$1.40$1.34$0.05
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.64$3.19$0.45$1.18$1.10$0.08
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.19$1.82$0.37$0.97$0.88$0.10
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.36$0.08$0.27$0.74$0.72$0.02
2015Detailed filing. Detailed filing data is available for this year.$0.34$0.09$0.26$0.70$0.60$0.10
2014Detailed filing. Detailed filing data is available for this year.$0.24$0.08$0.16$0.49$0.48$0.01
2013Import issue. A filing source exists for this year, but detailed import did not complete cleanly.$0.21$0.07$0.15$0.44$0.40$0.04
2012Summary only. Only limited summary data is available for this year.$0.18$0.07$0.11$0.35$0.35$0.01
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.10$0.00$0.10$0.30
Latest Detailed Filing

The latest 2025 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2024 below.

Jump To
Filing Snapshot
Filing Period
Jul 1, 2023 to Jun 30, 2024
Signed
Nov 15, 2024
Return Version
2023v5.1
Gross Receipts
$1,798,915
Mission and Program Overview

Mission

To make/service below market rate mortgage loans to primarily low income persons who purchase homes built by habitat for humanity of michigan affiliates.

To provide more affordable loan origination and/or loan servicing to habitat for humanity affiliates in michigan and 24 other states.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$11,782,753$14,240,692▲ $2,457,939
Other Notes and Loans Receivable, Net$1,796,849$1,598,969▼ $197,880
Cash and Non-Interest-Bearing Accounts$1,269,584$1,318,132▲ $48,548
Pledges and Grants Receivable$134,277$167,746▲ $33,469
Land, Buildings, and Equipment, Net$61,758$49,942▼ $11,816
Prepaid Expenses and Deferred Charges$56,708$39,601▼ $17,107
Total Assets$15,101,929$17,415,082▲ $2,313,153
Liabilities
Escrow Account Liability$11,782,753$14,240,692▲ $2,457,939
Mortgage Notes Payable Secured by Investment Property$1,959,096$1,825,850▼ $133,246
Accounts Payable and Accrued Expenses$120,905$122,021▲ $1,116
Deferred Revenue$94,673$84,168▼ $10,505
Total Liabilities$13,957,427$16,272,731▲ $2,315,304
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$1,144,502$1,142,351▼ $2,151
Total Net Assets Fund Balance$1,144,502$1,142,351▼ $2,151
Total Liabilities and Net Assets / Fund Balance$15,101,929$17,415,082▲ $2,313,153

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$13,420$101,525$114,945
Equipment$36,522$66,405$102,927
Compensation and Service Providers
Top Officer Pay57th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Daniel LynchCEOFT$193,719$12,707$206,426
Catherine OverwayCOOFT$144,318$10,973$155,291

Board Members and Trustees

NameTitle
Eric HannaChair
Adam FishkindVice Chair
Don WilkinsonDirector
Gary LadueDirector
John WilliamsDirector
Nancy PellegriniDirector
Katey ForthSecretary
Jeff HansonTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Doxim Ids LLCMortgage Statements And EnvelopesPO BOX 933472, Cleveland, OH 44193$148,164
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$1,745,945
Investment Income
$52,970
Other Revenue
$0
Change in Net Assets
$-2,151

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,798,915
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$1,798,915
Total Revenue per Form 990
$1,798,915
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$919,471
Salaries, Compensation, and Employee Benefits$881,595
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$240,825$175,154-$415,979
Current Officers, Directors, Trustees, and Key Employees$209,491$152,226-$361,717
Office Expenses$67,984$25,184-$93,168
Advertising$63,660$4,335-$67,995
Information Technology$54,335$13,574-$67,909
Payroll Taxes$36,743$22,006-$58,749
Interest$52,970$22-$52,992
Fees for Services Other$46,496--$46,496
Other Employee Benefits$26,291$18,859-$45,150
Fees for Services Accounting-$43,100-$43,100
Occupancy$33,881$7,711-$41,592
Insurance$19,702$14,133-$33,835
Depreciation Depletion$20,851$5,210-$26,061
Travel$22,656$2,528-$25,184
Other Expenses$17,654$8,148-$17,654
Fees for Services Legal-$10,815-$10,815
All Other Expenses$6,711$2,915-$9,626
Total Functional Expenses$1,295,146$505,920$0$1,801,066

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$1,801,066
Total Expenses per Audited Statements$1,801,066
Total Expenses per Form 990$1,801,066
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“The 990 is received by the organization's ceo who reviews the return for accuracy. Upon the ceo's approval, the 990 is made available to the board of directors. After any concerns presented by the board are addressed, the ceo signs and files the return.”

Form 990, Part VI, Section B, Line 12C

“All directors, officers and committee members are required annually to sign a statement which affirms that they have a copy of the conflict of interest policy, have read and understand the policy and agree to comply with the policy. In addition, the policy gives the organization the right to conduct periodic reviews at their discretion. When conflicts of interest are reviewed and approved by the board, only the members not having the conflict are able to vote.”

Form 990, Part VI, Section B, Line 15

“The executive committee reviews the compensation of the ceo and determines what is appropriate given their level and experience. They compare these salaries with those of comparable positions in the for-profit market. The last compensation review was performed in august 2022 by the chairman and the ncf executive committee. The ceo reviews the compensation of the coo and determines what is appropriate given their level and experience. They compare these salaries with those of comparable positions in the for-profit market. A compensation review is performed annually.”

Form 990, Part VI, Section C, Line 19

“All information is available upon request. Form 990 is also posted annually on guidestar's website. The 990 is public information through the michigan attorney general's office.”

Filing and Contact Details

Filer

Filer Name
Neighborhood Capital Funding Inc
EIN
11-3829932
Phone
5174851006
Address
618 S CREYTS RD SUITE C, LANSING, MI 48917
Doing Business As
Affiliate Mortgage Services Inc

Signing Officer

Name
Daniel Lynch
Title
CEO
Phone
5174851006
Signed
2024-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Daniel Lynch
Formed
2007
Legal Domicile
Mi
Voting Board Members
9
Independent Board Members
8
Employees
14
Volunteers
8

Preparer

Firm
Clark Schaefer Hackett & Co
Address
3505 COOLIDGE RD, EAST LANSING, MI 48823
Preparer
Kristi L Leeth
Phone
5173515508
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

“During the servicing of mortgage loans, the organization collects monthly payments from mortgagors that are, or will be due to the mortgage owners or to third parties. The amounts collected consist of principal, interest, real estate taxes and property insurance. These collections are placed in custodial bank accounts in the name of the organization in trust for mortgagors and disbursed when payments are due to third parties. The organization transfers the principal and interest portion of the payments collected to the owners of the related mortgages by the 10th business day of the month following the month collected. The tax, insurance and any miscellaneous amounts collected are held by the organization until payment is due to the third party. Undisbursed funds are recorded as an asset and an offsetting liability on the organization's financial statements.”

Raw XML AppendixShowing 400 of 540 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
IRS990/AccountantCompileOrReviewInd00
IRS990/AccountsPayableAccrExpnssGrp/BOYAmt0120905
IRS990/AccountsPayableAccrExpnssGrp/EOYAmt0122021
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0TO PROVIDE MORE AFFORDABLE LOAN ORIGINATION AND/OR LOAN SERVICING TO HABITAT FOR HUMANITY AFFILIATES IN MICHIGAN AND 24 OTHER STATES.
IRS990/AdvertisingGrp/ManagementAndGeneralAmt04335
IRS990/AdvertisingGrp/ProgramServicesAmt063660
IRS990/AdvertisingGrp/TotalAmt067995
IRS990/AllOtherExpensesGrp/ManagementAndGeneralAmt02915
IRS990/AllOtherExpensesGrp/ProgramServicesAmt06711
IRS990/AllOtherExpensesGrp/TotalAmt09626
IRS990/AnnualDisclosureCoveredPrsnInd01
IRS990/AuditCommitteeInd01
IRS990/BackupWthldComplianceInd01
IRS990/BooksInCareOfDetail/PersonNm0DANIEL LYNCH
IRS990/BooksInCareOfDetail/PhoneNum05174851006
IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt0618 S CREYTS RD SUITE C
IRS990/BooksInCareOfDetail/USAddress/CityNm0LANSING
IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd0MI
IRS990/BooksInCareOfDetail/USAddress/ZIPCd048917
IRS990/BusinessRlnWith35CtrlEntInd00
IRS990/BusinessRlnWithFamMemInd00
IRS990/BusinessRlnWithOrgMemInd00
IRS990/CashNonInterestBearingGrp/BOYAmt01269584
IRS990/CashNonInterestBearingGrp/EOYAmt01318132
IRS990/ChangeToOrgDocumentsInd00
IRS990/CntrctRcvdGreaterThan100KCnt01
IRS990/CollectionsOfArtInd00
IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt0152226
IRS990/CompCurrentOfcrDirectorsGrp/ProgramServicesAmt0209491
IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt0361717
IRS990/CompensationFromOtherSrcsInd00
IRS990/CompensationProcessCEOInd01
IRS990/CompensationProcessOtherInd01
IRS990/ConflictOfInterestPolicyInd01
IRS990/ConservationEasementsInd00
IRS990/ConsolidatedAuditFinclStmtInd01
IRS990/ContractorCompensationGrp/CompensationAmt0148164
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/AddressLine1Txt0PO BOX 933472
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/CityNm0CLEVELAND
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/StateAbbreviationCd0OH
IRS990/ContractorCompensationGrp/ContractorAddress/USAddress/ZIPCd044193
IRS990/ContractorCompensationGrp/ContractorName/BusinessName/BusinessNameLine1Txt0DOXIM IDS LLC
IRS990/ContractorCompensationGrp/ServicesDesc0MORTGAGE STATEMENTS AND ENVELOPES
IRS990/CreditCounselingInd01
IRS990/CYBenefitsPaidToMembersAmt00
IRS990/CYContributionsGrantsAmt00
IRS990/CYGrantsAndSimilarPaidAmt00
IRS990/CYInvestmentIncomeAmt052970
IRS990/CYOtherExpensesAmt0919471
IRS990/CYOtherRevenueAmt00
IRS990/CYProgramServiceRevenueAmt01745945
IRS990/CYRevenuesLessExpensesAmt0-2151
IRS990/CYSalariesCompEmpBnftPaidAmt0881595
IRS990/CYTotalExpensesAmt01801066
IRS990/CYTotalFundraisingExpenseAmt00
IRS990/CYTotalProfFndrsngExpnsAmt00
IRS990/CYTotalRevenueAmt01798915
IRS990/DecisionsSubjectToApprovaInd00
IRS990/DeductibleArtContributionInd00
IRS990/DeductibleNonCashContriInd00
IRS990/DeferredRevenueGrp/BOYAmt094673
IRS990/DeferredRevenueGrp/EOYAmt084168
IRS990/DelegationOfMgmtDutiesInd00
IRS990/DepreciationDepletionGrp/ManagementAndGeneralAmt05210
IRS990/DepreciationDepletionGrp/ProgramServicesAmt020851
IRS990/DepreciationDepletionGrp/TotalAmt026061
IRS990/Desc0NEIGHBORHOOD CAPITAL FUNDING, AKA AFFILIATE MORTGAGE SERVICES, ORIGINATES, PROCESSES, CLOSES, AND SERVICES MORTGAGES FOR HOMEBUYERS OF HABITAT AFFILIATE HOMES. THESE LOANS ARE THEN ASSIGNED TO THE AFFILIATE TO PRODUCE REVENUE IN THE FORM OF PRINCIPAL-ONLY INCOME FOR THATAFFILIATE. THE AFFILIATE MAY ALSO SELL THESE MORTGAGES TO INVESTORS IN THE SECONDARY MARKET, ALLOWING THE AFFILIATE ACCESS TO CAPITAL TO PRODUCE MORE HOMES. DURING FISCAL YEAR 24, AFFILIATE MORTGAGE SERVICES CLOSED 13 HABITAT FOR HUMANITY MORTGAGES AND ENDED THE YEAR WITH A SERVICING PORTFOLIO OF 9,392 HABITAT LOANS
IRS990/DescribedInSection501c3Ind01
IRS990/DisregardedEntityInd01
IRS990/DocumentRetentionPolicyInd01
IRS990/DoingBusinessAsName/BusinessNameLine1Txt0AFFILIATE MORTGAGE SERVICES INC
IRS990/DonorAdvisedFundInd00
IRS990/DonorRstrOrQuasiEndowmentsInd00
IRS990/ElectionOfBoardMembersInd00
IRS990/EmployeeCnt014
IRS990/EmploymentTaxReturnsFiledInd01
IRS990/EngagedInExcessBenefitTransInd00
IRS990/EscrowAccountLiabilityGrp/BOYAmt011782753
IRS990/EscrowAccountLiabilityGrp/EOYAmt014240692
IRS990/ExpenseAmt01295146
IRS990/FamilyOrBusinessRlnInd00
IRS990/FederalGrantAuditRequiredInd00
IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt043100
IRS990/FeesForServicesAccountingGrp/TotalAmt043100
IRS990/FeesForServicesLegalGrp/ManagementAndGeneralAmt010815
IRS990/FeesForServicesLegalGrp/TotalAmt010815
IRS990/FeesForServicesOtherGrp/ProgramServicesAmt046496
IRS990/FeesForServicesOtherGrp/TotalAmt046496
IRS990/ForeignActivitiesInd00
IRS990/ForeignFinancialAccountInd00
IRS990/ForeignOfficeInd00
IRS990/Form8282PropertyDisposedOfInd00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt01.00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt21.00
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IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt71.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt81.00
IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt940.00
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd0X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd1X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd2X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd3X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd4X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd5X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd6X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd7X
IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd8X
IRS990/Form990PartVIISectionAGrp/OfficerInd0X
IRS990/Form990PartVIISectionAGrp/OfficerInd1X
IRS990/Form990PartVIISectionAGrp/OfficerInd2X
IRS990/Form990PartVIISectionAGrp/OfficerInd3X
IRS990/Form990PartVIISectionAGrp/OfficerInd4X
IRS990/Form990PartVIISectionAGrp/OfficerInd5X
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt00
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt10
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt20
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt30
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt412707
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt50
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt60
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt70
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt80
IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt910973
IRS990/Form990PartVIISectionAGrp/PersonNm0NANCY PELLEGRINI
IRS990/Form990PartVIISectionAGrp/PersonNm1GARY LADUE
IRS990/Form990PartVIISectionAGrp/PersonNm2DON WILKINSON
IRS990/Form990PartVIISectionAGrp/PersonNm3JOHN WILLIAMS
IRS990/Form990PartVIISectionAGrp/PersonNm4DANIEL LYNCH
IRS990/Form990PartVIISectionAGrp/PersonNm5ERIC HANNA
IRS990/Form990PartVIISectionAGrp/PersonNm6ADAM FISHKIND
IRS990/Form990PartVIISectionAGrp/PersonNm7KATEY FORTH
IRS990/Form990PartVIISectionAGrp/PersonNm8JEFF HANSON
IRS990/Form990PartVIISectionAGrp/PersonNm9CATHERINE OVERWAY
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt30
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IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt9144318
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt00
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt10
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt20
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt30
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt40
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt50
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt60
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt70
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt80
IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt90
IRS990/Form990PartVIISectionAGrp/TitleTxt0DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt5CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt6VICE CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt7SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt8TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt9COO
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr02007
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedBasisGrp/ConsolidatedBasisFinclStmtInd0X
IRS990/FSAuditedInd01
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt09
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt01798915
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd00
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt08
IRS990/IndivRcvdGreaterThan100KCnt02
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt013574
IRS990/InformationTechnologyGrp/ProgramServicesAmt054335
IRS990/InformationTechnologyGrp/TotalAmt067909
IRS990/InsuranceGrp/ManagementAndGeneralAmt014133
IRS990/InsuranceGrp/ProgramServicesAmt019702
IRS990/InsuranceGrp/TotalAmt033835
IRS990/InterestGrp/ManagementAndGeneralAmt022
IRS990/InterestGrp/ProgramServicesAmt052970
IRS990/InterestGrp/TotalAmt052992
IRS990/InvestmentIncomeGrp/ExclusionAmt052970
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt052970
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt010
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt0167930
IRS990/LandBldgEquipBasisNetGrp/BOYAmt061758
IRS990/LandBldgEquipBasisNetGrp/EOYAmt049942
IRS990/LandBldgEquipCostOrOtherBssAmt0217872
IRS990/LegalDomicileStateCd0MI
IRS990/LoanOutstandingInd00
IRS990/LobbyingActivitiesInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd00
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO MAKE/SERVICE BELOW-MARKET-RATE MORTGAGE LOANS TO PRIMARILY LOW INCOME PERSONS WHO PURCHASE HOMES BUILT BY HABITAT FOR HUMANITY.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/MortgNotesPyblScrdInvstPropGrp/BOYAmt01959096
IRS990/MortgNotesPyblScrdInvstPropGrp/EOYAmt01825850
IRS990/NetAssetsOrFundBalancesBOYAmt01144502
IRS990/NetAssetsOrFundBalancesEOYAmt01142351
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt01144502
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt01142351
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/ManagementAndGeneralAmt07711
IRS990/OccupancyGrp/ProgramServicesAmt033881
IRS990/OccupancyGrp/TotalAmt041592
IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt025184
IRS990/OfficeExpensesGrp/ProgramServicesAmt067984
IRS990/OfficeExpensesGrp/TotalAmt093168
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501c3Ind0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt018859
IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt026291
IRS990/OtherEmployeeBenefitsGrp/TotalAmt045150
IRS990/OtherExpensesGrp/Desc0MORTGAGE SERVICING
IRS990/OtherExpensesGrp/Desc1MORTGAGE ORIGINATING
IRS990/OtherExpensesGrp/Desc2PAYROLL PROCESSING FEE
IRS990/OtherExpensesGrp/Desc3LICENSING & REGISTRATIO
IRS990/OtherExpensesGrp/ManagementAndGeneralAmt08148
IRS990/OtherExpensesGrp/ProgramServicesAmt0282672
IRS990/OtherExpensesGrp/ProgramServicesAmt180866
IRS990/OtherExpensesGrp/ProgramServicesAmt211358
IRS990/OtherExpensesGrp/ProgramServicesAmt317654
IRS990/OtherExpensesGrp/TotalAmt0282672
IRS990/OtherExpensesGrp/TotalAmt180866
IRS990/OtherExpensesGrp/TotalAmt219506
IRS990/OtherExpensesGrp/TotalAmt317654
IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt0175154
IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt0240825
IRS990/OtherSalariesAndWagesGrp/TotalAmt0415979
IRS990/OthNotesLoansReceivableNetGrp/BOYAmt01796849
IRS990/OthNotesLoansReceivableNetGrp/EOYAmt01598969
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt022006
IRS990/PayrollTaxesGrp/ProgramServicesAmt036743
IRS990/PayrollTaxesGrp/TotalAmt058749
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt0134277
IRS990/PledgesAndGrantsReceivableGrp/EOYAmt0167746
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt056708
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt039601
IRS990/PrincipalOfficerNm0DANIEL LYNCH
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1518210
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/Desc0SERVICING INCOME
IRS990/ProgramServiceRevenueGrp/Desc1PROCESSING FEES
IRS990/ProgramServiceRevenueGrp/Desc2ORIGINATION INCOME
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt01452439
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1259287
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt234219
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt01452439
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1259287
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt234219
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt078
IRS990/PYExcessBenefitTransInd00
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt058539
IRS990/PYOtherExpensesAmt0814948
IRS990/PYOtherRevenueAmt00
IRS990/PYProgramServiceRevenueAmt01576648
IRS990/PYRevenuesLessExpensesAmt022981
IRS990/PYSalariesCompEmpBnftPaidAmt0797336
IRS990/PYTotalExpensesAmt01612284
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt01635265
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0-2151
IRS990/RegularMonitoringEnfrcInd01
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt01745945
IRS990/SavingsAndTempCashInvstGrp/BOYAmt011782753
IRS990/SavingsAndTempCashInvstGrp/EOYAmt014240692
IRS990ScheduleA/AmountsRcvdDsqlfyPersonGrp/TotalAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt00
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt078
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus2YearsAmt02531
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus3YearsAmt038864
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus4YearsAmt076063
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt0117536
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt052970
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt058539
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt065480
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt075737
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt075457
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt0328183
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt01745945
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt01576648
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus2YearsAmt01607894
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus3YearsAmt01608108
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt01487770
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt08026365
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt052970
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt058539
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt065480
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt075737
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt075457
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt0328183
IRS990ScheduleA/InvestmentIncomeCYPct00.03870
IRS990ScheduleA/InvestmentIncomePYPct00.04410
IRS990ScheduleA/OtherIncome509Grp/CurrentTaxYearMinus3YearsAmt041
IRS990ScheduleA/OtherIncome509Grp/TotalAmt041
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.82110
IRS990ScheduleA/PublicSupportPY509Pct00.80340
IRS990ScheduleA/PublicSupportTotal509Amt06956866
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearAmt0256330
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus1YearAmt0229777
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus2YearsAmt0237360
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus3YearsAmt0236421
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/CurrentTaxYearMinus4YearsAmt0227147
IRS990ScheduleA/SubstAndDsqlfyPrsnsTotGrp/TotalAmt01187035
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearAmt0256330
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus1YearAmt0229777
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus2YearsAmt0237360
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus3YearsAmt0236421
IRS990ScheduleA/SubstantialContributorsAmtGrp/CurrentTaxYearMinus4YearsAmt0227147
IRS990ScheduleA/SubstantialContributorsAmtGrp/TotalAmt01187035
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt01745945
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt01576726
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus2YearsAmt01610425
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus3YearsAmt01646972
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt01563833
IRS990ScheduleA/Total509Grp/TotalAmt08143901
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt01798915
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt01635265
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt01675905
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt01722750
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt01639290
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt08472125
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/AgentTrusteeEtcInd00
IRS990ScheduleD/EquipmentGrp/BookValueAmt036522
IRS990ScheduleD/EquipmentGrp/DepreciationAmt066405
IRS990ScheduleD/EquipmentGrp/OtherCostOrOtherBasisAmt0102927
IRS990ScheduleD/ExpensesNotReportedAmt00
IRS990ScheduleD/ExpensesNotRptFinclStmtAmt00
IRS990ScheduleD/ExpensesSubtotalAmt01801066
IRS990ScheduleD/ExplanationProvidedInd0X
IRS990ScheduleD/InclEscrowCustodialAcctLiabInd01
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt013420
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt0101525
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0114945
IRS990ScheduleD/RevenueNotReportedAmt00
IRS990ScheduleD/RevenueNotReportedFinclStmtAmt00
IRS990ScheduleD/RevenueSubtotalAmt01798915
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0DURING THE SERVICING OF MORTGAGE LOANS, THE ORGANIZATION COLLECTS MONTHLY PAYMENTS FROM MORTGAGORS THAT ARE, OR WILL BE DUE TO THE MORTGAGE OWNERS OR TO THIRD PARTIES. THE AMOUNTS COLLECTED CONSIST OF PRINCIPAL, INTEREST, REAL ESTATE TAXES AND PROPERTY INSURANCE. THESE COLLECTIONS ARE PLACED IN CUSTODIAL BANK ACCOUNTS IN THE NAME OF THE ORGANIZATION IN TRUST FOR MORTGAGORS AND DISBURSED WHEN PAYMENTS ARE DUE TO THIRD PARTIES. THE ORGANIZATION TRANSFERS THE PRINCIPAL AND INTEREST PORTION OF THE PAYMENTS COLLECTED TO THE OWNERS OF THE RELATED MORTGAGES BY THE 10TH BUSINESS DAY OF THE MONTH FOLLOWING THE MONTH COLLECTED. THE TAX, INSURANCE AND ANY MISCELLANEOUS AMOUNTS COLLECTED ARE HELD BY THE ORGANIZATION UNTIL PAYMENT IS DUE TO THE THIRD PARTY. UNDISBURSED FUNDS ARE RECORDED AS AN ASSET AND AN OFFSETTING LIABILITY ON THE ORGANIZATION'S FINANCIAL STATEMENTS.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART IV, LINE 2B:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt049942
IRS990ScheduleD/TotalExpensesPerForm990Amt01801066
IRS990ScheduleD/TotalRevenuePerForm990Amt01798915
IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt01798915
IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt01801066
IRS990ScheduleJ/AnyNonFixedPaymentsInd00
IRS990ScheduleJ/BoardOrCommitteeApprovalInd0X
IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd00
IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd00
IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd00
IRS990ScheduleJ/CompensationSurveyInd0X
IRS990ScheduleJ/EquityBasedCompArrngmInd00
IRS990ScheduleJ/Form990OfOtherOrganizationsInd0X
IRS990ScheduleJ/InitialContractExceptionInd00

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