Civic Intelligence

Maryland Mortgage Bankers Assoc

EIN 23-7321034 • 501(c)6 • Ellicott City, MD

Profile

Education of Members in Mortgage Industry

PO Box 6293Ellicott City, MD 21042

n/A

Siviq Scores

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

Liabilities / Assets

51st percentile

0.00x

Higher debt load relative to assets than 51% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

54th percentile

0.00x

Higher debt load relative to revenue than 54% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Net Margin

39th percentile

-4.6%

Higher net margin than 39% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)6 • <$500k nonprofits • Source year 2024

Asset Growth

46th percentile

-3.6%

Faster asset growth than 46% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

13th percentile

-44%

Faster revenue growth than 13% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets51st percentile

Assets

Down

$404,780

Down $72,822 (-15%) from 2022

Liabilities

Up

$575

Up $1,629 (+155%) from 2022

Net Assets

Down

$404,205

Down $74,451 (-16%) from 2022

Operations
Liabilities / Revenue54th percentileNet Margin39th percentile

Revenue

Down

$199,842

Down $105,602 (-35%) from 2022

Expenses

Down

$208,993

Down $56,253 (-21%) from 2022

Net Income

Down

-$9,151

Down $49,349 (-123%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth46th percentile

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

$600K$400K$200K$0-$200KAssets 2010: $27,866Liabilities 2010: $1,512Net Assets 2010: $26,3542010Assets 2011: $63,555Liabilities 2011: $1,215Net Assets 2011: $62,3402011Assets 2012: $93,005Liabilities 2012: $1,831Net Assets 2012: $91,1742012Assets 2013: $130,072Liabilities 2013: $2,279Net Assets 2013: $127,7932013Assets 2014: $176,923Liabilities 2014: $1,639Net Assets 2014: $175,2842014Assets 2015: $185,970Liabilities 2015: $2,167Net Assets 2015: $183,8032015Assets 2016: $311,530Liabilities 2016: $2,686Net Assets 2016: $308,8442016Assets 2017: $365,965Liabilities 2017: $800Net Assets 2017: $365,1652017Assets 2018: $428,706Liabilities 2018: $37,233Net Assets 2018: $391,4732018Assets 2020: $459,469Liabilities 2020: $20,190Net Assets 2020: $439,2792020Assets 2021: $437,404Liabilities 2021: -$1,054Net Assets 2021: $438,4582021Assets 2022: $477,602Liabilities 2022: -$1,054Net Assets 2022: $478,6562022Assets 2024: $404,780Liabilities 2024: $575Net Assets 2024: $404,2052024

Highlighted filing

2024

Assets$404,780
Liabilities$575
Net Assets$404,205
Open 2024 Filing

Operations Trend

Revenue Growth13th percentile

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

$400K$300K$200K$100K$0-$100KRevenue 2010: $70,181Expenses 2010: $95,568Net Income 2010: -$25,3872010Revenue 2011: $114,087Expenses 2011: $78,101Net Income 2011: $35,9862011Revenue 2012: $143,331Expenses 2012: $114,497Net Income 2012: $28,8342012Revenue 2013: $172,887Expenses 2013: $136,268Net Income 2013: $36,6192013Revenue 2014: $185,320Expenses 2014: $137,829Net Income 2014: $47,4912014Revenue 2015: $173,659Expenses 2015: $165,140Net Income 2015: $8,5192015Revenue 2016: $248,719Expenses 2016: $209,972Net Income 2016: $38,7472016Revenue 2017: $355,361Expenses 2017: $299,040Net Income 2017: $56,3212017Revenue 2018: $297,010Expenses 2018: $261,943Net Income 2018: $35,0672018Revenue 2020: $177,412Expenses 2020: $210,950Net Income 2020: -$33,5382020Revenue 2021: $208,857Expenses 2021: $237,453Net Income 2021: -$28,5962021Revenue 2022: $305,444Expenses 2022: $265,246Net Income 2022: $40,1982022Revenue 2024: $199,842Expenses 2024: $208,993Net Income 2024: -$9,1512024

Highlighted filing

2024

Revenue$199,842
Expenses$208,993
Net Income-$9,151
Open 2024 Filing

Filings

Most recent year

2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.

Open filing
Assets
$404,780
Liabilities
$575
Net assets
$404,205
Revenue
$199,842
Expenses
$208,993
Net income
-$9,151
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.05$0.01$4.04$2.00$2.09$0.09
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.78$0.01$4.79$3.05$2.65$0.40
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.37$0.01$4.38$2.09$2.37$0.29
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.59$0.20$4.39$1.77$2.11$0.34
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.29$0.37$3.91$2.97$2.62$0.35
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.66$0.01$3.65$3.55$2.99$0.56
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.12$0.03$3.09$2.49$2.10$0.39
2015Detailed filing. Detailed filing data is available for this year.$1.86$0.02$1.84$1.74$1.65$0.09
2014Detailed filing. Detailed filing data is available for this year.$1.77$0.02$1.75$1.85$1.38$0.47
2013Detailed filing. Detailed filing data is available for this year.$1.30$0.02$1.28$1.73$1.36$0.37
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.93$0.02$0.91$1.43$1.14$0.29
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.64$0.01$0.62$1.14$0.78$0.36
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.28$0.02$0.26$0.70$0.96$0.25
Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2018 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2018 to Dec 31, 2018
Signed
Feb 27, 2019
Return Version
2018v3.1
Gross Receipts
$297,010
Mission and Program Overview

Mission

Promote and provide educational opportunities for members, who are primarily in the mortgage banking industry. The Organization also provides services to educate lawmakers on matters affecting real estate ownership. The Association also provides a forum for information exchange.

Promote and provide educational opportunities for members, who are primarily in the mortgage banking industry. The Organization also provides services to educate lawmakers on matters affecting real estate ownership. The Association also provides a forum for Information exc.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$223,402$344,648▲ $121,246
Cash and Non-Interest-Bearing Accounts$142,205$78,608▼ $63,597
Prepaid Expenses and Deferred Charges-$5,318-
Land, Buildings, and Equipment, Net$358$132▼ $226
Total Assets$365,965$428,706▲ $62,741
Liabilities
Other Liabilities$800$37,233▲ $36,433
Total Liabilities$800$37,233▲ $36,433
Net Assets / Fund Balance
Unrestricted Net Assets$365,165$391,473▲ $26,308
Total Net Assets Fund Balance$365,165$391,473▲ $26,308
Total Liabilities and Net Assets / Fund Balance$365,965$428,706▲ $62,741

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$132$1,000-
Compensation and Service Providers
Top Officer Pay77th percentile

Board Members and Trustees

NameTitle
Steve LaganaPast President-Board Member
Corey GalinskyPresident
Colleen PalmerVice President
Annaliese BaamondeBoard Member
Bobbie BrownBoard Member
Candy MurphyBoard Member
Crystal SmithBoard Member
Dennis SullivanBoard Member
Ellen WilsonBoard Member
Ernie GrueBoard Member
Janet PisanicBoard Member
Jason LernerBoard Member
Kim LazarchickBoard Member
Malcolm HollensteinerBoard Member
Scott PhillipsBoard Member
Tim GoughBoard Member
Tim HigginsBoard Member
William ParragaBoard Member
Frank DannaSecretary
Mike McNamaraTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$297,005
Investment Income
$5
Other Revenue
$0
Change in Net Assets
$35,067
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$181,156
Salaries, Compensation, and Employee Benefits$80,787
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$73,663--$73,663
Other Expenses$9,152--$9,152
All Other Expenses$7,428--$7,428
Payroll Taxes$7,124--$7,124
Office Expenses$3,245--$3,245
Advertising$3,099--$3,099
Fees for Services Accounting$2,828--$2,828
Information Technology$2,470--$2,470
Depreciation Depletion$226--$226
Total Functional Expenses$261,943$0$0$261,943
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
In-house lobbying only
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Deferred Revenue$37,233
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990 governing body review Part VI line 11

“Form 990 is presented to the Governing Body before filing for review.”

CEO executive director top management comp Part VI line 15A

“The Governing Body approves all compensation matters.”

Governing documents etc available to public Part VI line 19

“Documents as to the organizations purpose are available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Maryland Mortgage BankersAndBrokers
EIN
23-7321034
Address
PO Box 6293, Ellicott City, MD 21042

Signing Officer

Name
Corey Galinsky
Title
President
Phone
4435747786
Signed
2019-02-27
Discuss with paid preparer
Yes

Organization Details

Formed
1973
Legal Domicile
Md
Voting Board Members
20
Independent Board Members
20
Employees
1

Preparer

Firm
Craig L Siebert CPA LLC
Address
1910 TOWNE CENTRE BLVD NO 320, ANNAPOLIS, MD 21401
Preparer
Craig L Siebert
Phone
4439943850
Raw XML AppendixShowing 400 of 448 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
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IRS990/Form990PartVIISectionAGrp/PersonNm0Corey Galinsky
IRS990/Form990PartVIISectionAGrp/PersonNm1Colleen Palmer
IRS990/Form990PartVIISectionAGrp/PersonNm2Mike McNamara
IRS990/Form990PartVIISectionAGrp/PersonNm3Frank Danna
IRS990/Form990PartVIISectionAGrp/PersonNm4Steve Lagana
IRS990/Form990PartVIISectionAGrp/PersonNm5Annaliese Baamonde
IRS990/Form990PartVIISectionAGrp/PersonNm6Bobbie Brown
IRS990/Form990PartVIISectionAGrp/PersonNm7Tim Gough
IRS990/Form990PartVIISectionAGrp/PersonNm8Ernie Grue
IRS990/Form990PartVIISectionAGrp/PersonNm9Tim Higgins
IRS990/Form990PartVIISectionAGrp/PersonNm10Malcolm Hollensteiner
IRS990/Form990PartVIISectionAGrp/PersonNm11Kim Lazarchick
IRS990/Form990PartVIISectionAGrp/PersonNm12Jason Lerner
IRS990/Form990PartVIISectionAGrp/PersonNm13Candy Murphy
IRS990/Form990PartVIISectionAGrp/PersonNm14William Parraga
IRS990/Form990PartVIISectionAGrp/PersonNm15Scott Phillips
IRS990/Form990PartVIISectionAGrp/PersonNm16Janet Pisanic
IRS990/Form990PartVIISectionAGrp/PersonNm17Crystal Smith
IRS990/Form990PartVIISectionAGrp/PersonNm18Dennis Sullivan
IRS990/Form990PartVIISectionAGrp/PersonNm19Ellen Wilson
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IRS990/Form990PartVIISectionAGrp/TitleTxt0President
IRS990/Form990PartVIISectionAGrp/TitleTxt1Vice President
IRS990/Form990PartVIISectionAGrp/TitleTxt2Treasurer
IRS990/Form990PartVIISectionAGrp/TitleTxt3Secretary
IRS990/Form990PartVIISectionAGrp/TitleTxt4Past President-Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt5Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt6Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt7Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt8Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt9Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt10Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt11Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt12Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt13Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt14Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt15Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt16Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt17Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt18Board Member
IRS990/Form990PartVIISectionAGrp/TitleTxt19Board Member
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IRS990/MissionDesc0Promote and provide educational opportunities for members, who are primarily in the mortgage banking industry. The Organization also provides services to educate lawmakers on matters affecting real estate ownership. The Association also provides a forum for Information exc.
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IRS990/OtherExpensesGrp/Desc2Legislative And Lobbying
IRS990/OtherExpensesGrp/Desc3Credit Card Fees
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IRS990/ProgramServiceRevenueGrp/Desc1Membership Dues
IRS990/ProgramServiceRevenueGrp/Desc2Sponsorship Income
IRS990/ProgramServiceRevenueGrp/Desc3Education Income
IRS990/ProgramServiceRevenueGrp/Desc4Miscellaneous
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Form 990 is presented to the Governing Body before filing for review.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1The Governing Body approves all compensation matters.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Documents as to the organizations purpose are available to the public upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1CEO executive director top management comp Part VI line 15a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Governing documents etc available to public Part VI line 19
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IRS990/TotalFunctionalExpensesGrp/TotalAmt0261943
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