Liabilities / Assets
92nd percentile
Higher debt load relative to assets than 92% of similar nonprofits.
EIN 31-1788400 • 501(c)3 • Charlottesville, VA
Profile
Housing loans to low income individuals
Refreshing map…
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
92nd percentile
Higher debt load relative to assets than 92% of similar nonprofits.
Liabilities / Revenue
98th percentile
Higher debt load relative to revenue than 98% of similar nonprofits.
Net Margin
93rd percentile
Higher net margin than 93% of similar nonprofits.
Top Officer Pay
55th percentile
Higher top officer pay than 55% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
92nd percentile
Faster asset growth than 92% of similar nonprofits.
Revenue Growth
96th percentile
Faster revenue growth than 96% of similar nonprofits.
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
Most recent year
2024 • Form 990XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
The latest 2024 filing currently has linked XML that has not been fully parsed yet. Showing the latest detailed filing from 2022 below.
Housing loans to low income individuals
Housing loans to low inc people
| Description | Grants | Expenses |
|---|---|---|
| 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 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| DONALD RITENOUR | President | - | $0 | - | - |
| LANCE BARTON | Vice President | - | $0 | - | - |
| JOHN HANNA | Director | - | $0 | - | - |
| JAYNE JOHNSON | Secretary | - | $0 | - | - |
| MARY KAY HUSS | Director | - | $0 | - | - |
| THERESE CASHON | Director | - | $0 | - | - |
| BOB ADAMS | Director | - | $0 | - | - |
| NATASHA STEWART | Director | - | $0 | - | - |
| BRIAN CLARK | Director | - | $0 | - | - |
| MAERINE MITCHELL | Director | - | $0 | - | - |
“Other expenses include accounting bank fees interest”
“Other expenses include licenses office supplies qbook fees”
“Other assets include housing loans receivable”
“Liabilities include capacity building loan and loan payable”
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/ActivitiesNotPreviouslyRptInd | 0 | false |
| IRS990EZ/BooksInCareOfDetail/PersonNm | 0 | JOHN HANNA |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 4349735311 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | PO BOX 4826 |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | CHARLOTTESVILLE |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | VA |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 22905 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 102506 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 3387 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | false |
| IRS990EZ/ContributionsGiftsGrantsEtcAmt | 0 | 20000 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | false |
| IRS990EZ/EngagedInExcessBenefitTransInd | 0 | false |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 18957 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 325 |
| IRS990EZ/FiledScheduleAInd | 0 | true |
| IRS990EZ/ForeignFinancialAccountInd | 0 | false |
| IRS990EZ/ForeignOfficeInd | 0 | false |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 223623 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 275065 |
| IRS990EZ/GrossReceiptsAmt | 0 | 27748 |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InvestmentIncomeAmt | 0 | 7547 |
| IRS990EZ/LobbyingActivitiesInd | 0 | false |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | false |
| IRS990EZ/MethodOfAccountingCashInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | -1224 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 17733 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | -1224 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 17733 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 4 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 2 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 2 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 2 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 4 | 2 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 5 | 2 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 6 | 2 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 7 | 2 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 8 | 2 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 9 | 2 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 7 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 8 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 9 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | DONALD RITENOUR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | LANCE BARTON |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | JOHN HANNA |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | JAYNE JOHNSON |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 4 | MARY KAY HUSS |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 5 | THERESE CASHON |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 6 | BOB ADAMS |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 7 | NATASHA STEWART |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 8 | BRIAN CLARK |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 9 | MAERINE MITCHELL |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | VICE PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | SECRETARY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 5 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 6 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 7 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 8 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 9 | DIRECTOR |
| IRS990EZ/OperateHospitalInd | 0 | false |
| IRS990EZ/Organization501c3Ind | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | false |
| IRS990EZ/OrganizationHadUBIInd | 0 | false |
| IRS990EZ/OtherAssetsTotalDetail/BOYAmt | 0 | 121117 |
| IRS990EZ/OtherAssetsTotalDetail/EOYAmt | 0 | 271678 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 8466 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | false |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | HOUSING LOANS TO LOW INC PEOPLE |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 201 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | TO 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/ProgramServiceExpensesAmt | 0 | 8791 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990EZ/SchoolOperatingInd | 0 | false |
| IRS990EZ/SubjectToProxyTaxInd | 0 | false |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 224847 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 257332 |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TotalExpensesAmt | 0 | 8791 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 8791 |
| IRS990EZ/TotalRevenueAmt | 0 | 27748 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearAmt | 0 | 20000 |
| IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/TotalAmt | 0 | 20000 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearAmt | 0 | 7547 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus1YearAmt | 0 | 912 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus2YearsAmt | 0 | 70 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus3YearsAmt | 0 | 22 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 18 |
| IRS990ScheduleA/GrossInvestmentIncome509Grp/TotalAmt | 0 | 8569 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearAmt | 0 | 201 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus1YearAmt | 0 | 4875 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/CurrentTaxYearMinus4YearsAmt | 0 | 42 |
| IRS990ScheduleA/GrossReceiptsAdmissionsGrp/TotalAmt | 0 | 5118 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearAmt | 0 | 7547 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus1YearAmt | 0 | 912 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus2YearsAmt | 0 | 70 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus3YearsAmt | 0 | 22 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/CurrentTaxYearMinus4YearsAmt | 0 | 18 |
| IRS990ScheduleA/InvestmentIncomeAndUBTIGrp/TotalAmt | 0 | 8569 |
| IRS990ScheduleA/InvestmentIncomeCYPct | 0 | 0.25440 |
| IRS990ScheduleA/InvestmentIncomePYPct | 0 | 0.15140 |
| IRS990ScheduleA/OtherSupportSumAmt | 0 | 0 |
| IRS990ScheduleA/PubliclySupportedOrg509a2Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY509Pct | 0 | 0.74560 |
| IRS990ScheduleA/PublicSupportPY509Pct | 0 | 0.84860 |
| IRS990ScheduleA/PublicSupportTotal509Amt | 0 | 25118 |
| IRS990ScheduleA/SupportSumAmt | 0 | 0 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsPY509Ind | 0 | X |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearAmt | 0 | 20201 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus1YearAmt | 0 | 4875 |
| IRS990ScheduleA/Total509Grp/CurrentTaxYearMinus4YearsAmt | 0 | 42 |
| IRS990ScheduleA/Total509Grp/TotalAmt | 0 | 25118 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearAmt | 0 | 27748 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus1YearAmt | 0 | 5787 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus2YearsAmt | 0 | 70 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus3YearsAmt | 0 | 22 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/CurrentTaxYearMinus4YearsAmt | 0 | 60 |
| IRS990ScheduleA/TotalSupportCalendarYearGrp/TotalAmt | 0 | 33687 |
| IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorNum | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine2 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt | 0 | RESTRICTED |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | OTHER EXPENSES INCLUDE ACCOUNTING BANK FEES INTEREST |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | OTHER EXPENSES INCLUDE LICENSES OFFICE SUPPLIES QBOOK FEES |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | OTHER ASSETS INCLUDE HOUSING LOANS RECEIVABLE |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | LIABILITIES INCLUDE CAPACITY BUILDING LOAN AND LOAN PAYABLE |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | 990 EZ PART 1 LINE 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | 990 EZ PART 1 LINE 16 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | 990 EZ PART 11 LINE 24 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | 990 EZ PART 11 LINE 26 |
| ReturnHeader/BuildTS | 0 | 2023-04-26 12:10:37Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | true |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | JOHN HANNA |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | TREASURER |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 4349735311 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2023-08-09 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | VIRGINIA AFFORDABLE HOUSING LOAN |
| ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt | 0 | FUND |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | VIRG |
| ReturnHeader/Filer/EIN | 0 | 311788400 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 1710 GORDON AVENUE SUITE 2A |
| ReturnHeader/Filer/USAddress/CityNm | 0 | CHARLOTTESVILLE |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | VA |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 22903 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | true |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 311801877 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | CHARLES W ALLBAUGH CPA PC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 202 TURKEYSAG TRAIL STE 5 |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | PALMYRA |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | VA |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 22963 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 4345897810 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2023-08-09 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | CHARLES ALLBAUGH |
| ReturnHeader/ReturnTs | 0 | 2023-08-16T07:51:36-04:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm | 0 | JOHN |
| ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm | 0 | HANN |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2022-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2022-12-31 |
| ReturnHeader/TaxYr | 0 | 2022 |
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