Civic Intelligence

Lynchburg Community Loan Fund

EIN 31-1788400 • 501(c)3 • Charlottesville, VA

Profile

Housing loans to low income individuals

Refreshing map…

1710 Gordon Avenue Suite 2ACharlottesville, VA 22903

www.lndf.org

Siviq Scores

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

Liabilities / Assets

92nd percentile

0.86x

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

501(c)3 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

98th percentile

6.30x

Higher debt load relative to revenue than 98% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Net Margin

93rd percentile

62%

Higher net margin than 93% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

55th percentile

$0

Higher top officer pay than 55% of similar nonprofits.

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

501(c)3 • $500k-$1M nonprofits • Source year 2024

Asset Growth

92nd percentile

83%

Faster asset growth than 92% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

96th percentile

218%

Faster revenue growth than 96% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Assets

Up

$738,584

Up $463,519 (+169%) from 2022

Liabilities

Up

$637,349

Up $380,017 (+148%) from 2022

Net Assets

Up

$101,235

Up $83,502 (+471%) from 2022

Revenue

Up

$101,192

Up $73,444 (+265%) from 2022

Expenses

Up

$38,930

Up $30,139 (+343%) from 2022

Net Income

Up

$62,262

Up $43,305 (+228%) from 2022

Trend Graphs

Balance Sheet Trend

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

$1.0M$500K$0-$500KAssets 2013: $166,242Liabilities 2013: $253,667Net Assets 2013: -$87,4252013Assets 2014: $166,368Liabilities 2014: $253,667Net Assets 2014: -$87,2992014Assets 2015: $166,231Liabilities 2015: $253,667Net Assets 2015: -$87,4362015Assets 2016: $142,159Liabilities 2016: $253,667Net Assets 2016: -$111,5082016Assets 2019: $140,505Liabilities 2019: $253,667Net Assets 2019: -$113,1622019Assets 2020: $16,773Liabilities 2020: $0Net Assets 2020: $16,7732020Assets 2021: $223,623Liabilities 2021: $224,847Net Assets 2021: -$1,2242021Assets 2022: $275,065Liabilities 2022: $257,332Net Assets 2022: $17,7332022Assets 2024: $738,584Liabilities 2024: $637,349Net Assets 2024: $101,2352024

Highlighted filing

2024

Assets$738,584
Liabilities$637,349
Net Assets$101,235

Operations Trend

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

$150K$100K$50K$0-$50KRevenue 2013: $11,079Expenses 2013: $12,855Net Income 2013: -$1,7762013Revenue 2014: $2,040Expenses 2014: $1,914Net Income 2014: $1262014Revenue 2015: $804Expenses 2015: $941Net Income 2015: -$1372015Revenue 2016: $1,172Expenses 2016: $25,244Net Income 2016: -$24,0722016Revenue 2019: $70Expenses 2019: $1,191Net Income 2019: -$1,1212019Revenue 2020: $133,211Expenses 2020: $3,276Net Income 2020: $129,9352020Revenue 2021: $5,787Expenses 2021: $3,939Net Income 2021: $1,8482021Revenue 2022: $27,748Expenses 2022: $8,791Net Income 2022: $18,9572022Revenue 2024: $101,192Expenses 2024: $38,930Net Income 2024: $62,2622024

Highlighted filing

2024

Revenue$101,192
Expenses$38,930
Net Income$62,262

Filings

Latest Detailed Filing

The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.

Jump To
Filing Snapshot
Filing Period
Jan 1, 2022 to Dec 31, 2022
Signed
Aug 9, 2023
Return Version
2022v5.0
Gross Receipts
$27,748
Mission and Program Overview

Mission

Housing loans to low income individuals

Housing loans to low inc people

Program Services

DescriptionGrantsExpenses
TO MARKET AND FIND QUALIFIED BORROWERS FOR THE LOAN FUND WHICH IS DESIGNED TO INCREASE AFFORDABILITY AND AND ACCESS TO CREDIT FOR LOW INCOME-$8,791
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
DONALD RITENOURPresident-$0--
LANCE BARTONVice President-$0--
JOHN HANNADirector-$0--
JAYNE JOHNSONSecretary-$0--
MARY KAY HUSSDirector-$0--
THERESE CASHONDirector-$0--
BOB ADAMSDirector-$0--
NATASHA STEWARTDirector-$0--
BRIAN CLARKDirector-$0--
MAERINE MITCHELLDirector-$0--
Filing and Contact Details

Filer

Filer Name
Virginia Affordable Housing Loan
EIN
31-1788400
Address
1710 GORDON AVENUE SUITE 2A, CHARLOTTESVILLE, VA 22903

Signing Officer

Name
John Hanna
Title
Treasurer
Phone
4349735311
Signed
2023-08-09
Discuss with paid preparer
Yes

Preparer

Firm
Charles W Allbaugh CPA Pc
Address
202 TURKEYSAG TRAIL STE 5, PALMYRA, VA 22963
Preparer
Charles Allbaugh
Phone
4345897810
Supplemental Narrative

Additional Explanations

990 EZ Part 1 Line 16

Other expenses include accounting bank fees interest

990 EZ Part 1 Line 16

Other expenses include licenses office supplies qbook fees

990 EZ Part 11 Line 24

Other assets include housing loans receivable

990 EZ Part 11 Line 26

Liabilities include capacity building loan and loan payable

Raw XML Appendix182 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
IRS990EZ/ActivitiesNotPreviouslyRptInd0false
IRS990EZ/BooksInCareOfDetail/PersonNm0JOHN HANNA
IRS990EZ/BooksInCareOfDetail/PhoneNum04349735311
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO BOX 4826
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0CHARLOTTESVILLE
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0VA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd022905
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0102506
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt03387
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt020000
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt018957
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt0325
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0223623
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0275065
IRS990EZ/GrossReceiptsAmt027748
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt07547
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0-1224
IRS990EZ/NetAssetsOrFundBalancesEOYAmt017733
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0-1224
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt017733
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt04
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt12
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt22
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt32
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt42
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt52
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt62
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt72
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt82
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt92
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt50
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt70
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt80
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt90
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0DONALD RITENOUR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1LANCE BARTON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2JOHN HANNA
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3JAYNE JOHNSON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4MARY KAY HUSS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5THERESE CASHON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6BOB ADAMS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7NATASHA STEWART
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm8BRIAN CLARK
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm9MAERINE MITCHELL
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1VICE PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt9DIRECTOR
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt0121117
IRS990EZ/OtherAssetsTotalDetail/EOYAmt0271678
IRS990EZ/OtherExpensesTotalAmt08466
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0HOUSING LOANS TO LOW INC PEOPLE
IRS990EZ/ProgramServiceRevenueAmt0201
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0TO MARKET AND FIND QUALIFIED BORROWERS FOR THE LOAN FUND WHICH IS DESIGNED TO INCREASE AFFORDABILITY AND AND ACCESS TO CREDIT FOR LOW INCOME
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt08791
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt0224847
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt0257332
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt08791
IRS990EZ/TotalProgramServiceExpensesAmt08791
IRS990EZ/TotalRevenueAmt027748
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt020000
IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt020000
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt07547
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt0912
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt070
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt022
IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt018
IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt08569
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt0201
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt04875
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt042
IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt05118
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt07547
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt0912
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt070
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt022
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt018
IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt08569
IRS990ScheduleA/InvestmentIncomeCYPct00.25440
IRS990ScheduleA/InvestmentIncomePYPct00.15140
IRS990ScheduleA/OtherSupportSumAmt00
IRS990ScheduleA/PubliclySupportedOrg509a2Ind0X
IRS990ScheduleA/PublicSupportCY509Pct00.74560
IRS990ScheduleA/PublicSupportPY509Pct00.84860
IRS990ScheduleA/PublicSupportTotal509Amt025118
IRS990ScheduleA/SupportSumAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsPY509Ind0X
IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt020201
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt04875
IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt042
IRS990ScheduleA/Total509Grp/TotalAmt025118
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt027748
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt05787
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt070
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt022
IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt060
IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt033687
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0OTHER EXPENSES INCLUDE ACCOUNTING BANK FEES INTEREST
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1OTHER EXPENSES INCLUDE LICENSES OFFICE SUPPLIES QBOOK FEES
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2OTHER ASSETS INCLUDE HOUSING LOANS RECEIVABLE
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3LIABILITIES INCLUDE CAPACITY BUILDING LOAN AND LOAN PAYABLE
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0990 EZ PART 1 LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1990 EZ PART 1 LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2990 EZ PART 11 LINE 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3990 EZ PART 11 LINE 26
ReturnHeader/BuildTS02023-04-26 12:10:37Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JOHN HANNA
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum04349735311
ReturnHeader/BusinessOfficerGrp/SignatureDt02023-08-09
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0VIRGINIA AFFORDABLE HOUSING LOAN
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0FUND
ReturnHeader/Filer/BusinessNameControlTxt0VIRG
ReturnHeader/Filer/EIN0311788400
ReturnHeader/Filer/USAddress/AddressLine1Txt01710 GORDON AVENUE SUITE 2A
ReturnHeader/Filer/USAddress/CityNm0CHARLOTTESVILLE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0VA
ReturnHeader/Filer/USAddress/ZIPCd022903
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0311801877
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0CHARLES W ALLBAUGH CPA PC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0202 TURKEYSAG TRAIL STE 5
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0PALMYRA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0VA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd022963
ReturnHeader/PreparerPersonGrp/PhoneNum04345897810
ReturnHeader/PreparerPersonGrp/PreparationDt02023-08-09
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0CHARLES ALLBAUGH
ReturnHeader/ReturnTs02023-08-16T07:51:36-04:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0JOHN
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0HANN
ReturnHeader/TaxPeriodBeginDt02022-01-01
ReturnHeader/TaxPeriodEndDt02022-12-31
ReturnHeader/TaxYr02022

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