Civic Intelligence

Bay Area Mortgage Association

EIN 35-2775382 • 501(c)6 • San Francisco, CA

Profile

The corporation has been at the forefront of San Francisco's industry leaders focusing on real estate finance. Our mission as an organization is to deliver events in which members can congregate and refer business amongst each other while maximizing their exposure. The corporation's pride and vision is to encourage connection between established industry leaders in the Bay Area while also providing a platform for up-and-coming finance professionals in which they can excel within the industry.

1 Sansome St 2950San Francisco, CA 94104

sfbama.com

Siviq Scores

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

Liabilities / Assets

49th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

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

Liabilities / Revenue

51st percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

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

Net Margin

21st percentile

-21%

Higher net margin than 21% 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

24th percentile

-24%

Faster asset growth than 24% of similar nonprofits.

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

Revenue Growth

32nd percentile

-13%

Faster revenue growth than 32% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets49th percentile

Assets

Down

$68,105

Down $21,517 (-24%) from 2023

Liabilities

Flat

$0

Flat from 2023

Net Assets

Down

$68,105

Down $21,517 (-24%) from 2023

Operations
Liabilities / Revenue51st percentileNet Margin21st percentile

Revenue

Down

$103,571

Down $15,217 (-13%) from 2023

Expenses

Up

$125,088

Up $1,607 (+1.3%) from 2023

Net Income

Down

-$21,517

Down $16,824 (-358%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth24th percentile

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

$100K$50K$0Assets 2022: $94,315Liabilities 2022: $0Net Assets 2022: $94,3152022Assets 2023: $89,622Liabilities 2023: $0Net Assets 2023: $89,6222023Assets 2024: $68,105Liabilities 2024: $0Net Assets 2024: $68,1052024

Highlighted filing

2024

Assets$68,105
Liabilities$0
Net Assets$68,105
Open 2024 Filing

Operations Trend

Revenue Growth32nd percentile

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

$150K$100K$50K$0-$50KRevenue 2022: $52,275Expenses 2022: $34,194Net Income 2022: $18,0812022Revenue 2023: $118,788Expenses 2023: $123,481Net Income 2023: -$4,6932023Revenue 2024: $103,571Expenses 2024: $125,088Net Income 2024: -$21,5172024

Highlighted filing

2024

Revenue$103,571
Expenses$125,088
Net Income-$21,517
Open 2024 Filing

Filings

Most recent year

2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.

Open filing
Assets
$68,105
Liabilities
$0
Net assets
$68,105
Revenue
$103,571
Expenses
$125,088
Net income
-$21,517
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.68$0.00$0.68$1.04$1.25$0.22
2023Detailed filing. Detailed filing data is available for this year.$0.90$0.00$0.90$1.19$1.23$0.05
2022Detailed filing. Detailed filing data is available for this year.$0.94$0.00$0.94$0.52$0.34$0.18
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Feb 26, 2025
Return Version
2024v5.0
Gross Receipts
$103,571
Mission and Program Overview

Mission

The corporation has been at the forefront of San Francisco's industry leaders focusing on real estate finance. Our mission as an organization is to deliver events in which members can congregate and refer business amongst each other while maximizing their exposure. The corporation's pride and vision is to encourage connection between established industry leaders in the Bay Area while also providing a platform for up-and-coming finance professionals in which they can excel within the industry.

Program Services

DescriptionGrantsExpenses
DELIVER EVENTS IN WHICH MEMBERS CAN CONGREGATE AND REFER BUSINESS AMONGST EACH OTHER WHILE MAXIMIZING THEIR EXPOSURE.$103,571$125,088
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
SARAH BERNHISELDirector, CEOPT$0--
JESSICA CARTERDirector, VP Of ProgramsPT$0--
BRIANA HARNEYDirector, VP Of MembershipPT$0--
JAKE BERRYDirector, SecretaryPT$0--
ARMAND BOLINODirector, CFOPT$0--
Filing and Contact Details

Filer

Filer Name
Bay Area Mortgage Association
EIN
35-2775382
Phone
9252396609
Address
1 Sansome St 2950, San Francisco, CA 94104

Signing Officer

Name
Sarah Bernhisel
Title
President
Phone
4158720905
Signed
2025-02-26
Discuss with paid preparer
Yes

Preparer

Firm
Hunter Tax Associates Inc
Address
3130 Crow Canyon Place Suite 200, San Ramon, CA 94583-1656
Preparer
Aaron D Hunter CPA
Phone
9253621350
Raw XML Appendix109 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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IRS990EZ/BooksInCareOfDetail/PhoneNum09493812782
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0One Sansome Street Suite 2950
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0San Francisco
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0CA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd090067
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt089622
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt068105
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd00
IRS990EZ/DirectIndirectPltclExpendAmt00
IRS990EZ/DonorAdvisedFndsInd00
IRS990EZ/ExcessOrDeficitForYearAmt0-21517
IRS990EZ/ForeignFinancialAccountInd00
IRS990EZ/ForeignOfficeInd00
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IRS990EZ/GrossReceiptsAmt0103571
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IRS990EZ/InfoInScheduleOPartVInd0X
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IRS990EZ/MethodOfAccountingCashInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt089622
IRS990EZ/NetAssetsOrFundBalancesEOYAmt068105
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt089622
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt068105
IRS990EZ/OccupancyRentUtltsAndMaintAmt0125088
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt010.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt110.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt210.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt310.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt410.00
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt40
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt40
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0SARAH BERNHISEL
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1JESSICA CARTER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2BRIANA HARNEY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3JAKE BERRY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4ARMAND BOLINO
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0DIRECTOR, CEO
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1DIRECTOR, VP OF PROGRAMS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2DIRECTOR, VP OF MEMBERSHIP
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3DIRECTOR, SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4DIRECTOR, CFO
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0The corporation has been at the forefront of San Francisco's industry leaders focusing on real estate finance. Our mission as an organization is to deliver events in which members can congregate and refer business amongst each other while maximizing their exposure. The corporation's pride and vision is to encourage connection between established industry leaders in the Bay Area while also providing a platform for up-and-coming finance professionals in which they can excel within the industry.
IRS990EZ/ProgramServiceRevenueAmt0103571
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0DELIVER EVENTS IN WHICH MEMBERS CAN CONGREGATE AND REFER BUSINESS AMONGST EACH OTHER WHILE MAXIMIZING THEIR EXPOSURE.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt0103571
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt0125088
IRS990EZ/ProhibitedTaxShelterTransInd00
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IRS990EZ/SubjectToProxyTaxInd00
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IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt00
IRS990EZ/TanningServicesProvidedInd00
IRS990EZ/TotalExpensesAmt0125088
IRS990EZ/TotalProgramServiceExpensesAmt0125088
IRS990EZ/TotalRevenueAmt0103571
IRS990EZ/TypeOfOrganizationAssocInd0X
IRS990EZ/WebsiteAddressTxt0SFBAMA.COM
TransferPrsnlBnftContractsDecl/DeclarationDesc0The organization did not, during the year, receive any funds, directly,or indirectly, to pay premiums on a personal benefit contract.The organization, did not, during the year, pay any premiums, directly,or indirectly, on a personal benefit contract.
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0Sarah Bernhisel
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum04158720905
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-02-26
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Bay Area Mortgage Association
ReturnHeader/Filer/BusinessNameControlTxt0BAYA
ReturnHeader/Filer/EIN0352775382
ReturnHeader/Filer/PhoneNum09252396609
ReturnHeader/Filer/USAddress/AddressLine1Txt01 Sansome St 2950
ReturnHeader/Filer/USAddress/CityNm0San Francisco
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CA
ReturnHeader/Filer/USAddress/ZIPCd094104
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0822623885
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0HUNTER TAX ASSOCIATES INC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt03130 Crow Canyon Place Suite 200
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0San Ramon
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0945831656
ReturnHeader/PreparerPersonGrp/PhoneNum09253621350
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Aaron D Hunter CPA
ReturnHeader/ReturnTs02025-02-26T19:47:44-06:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

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