Liabilities / Assets
55th percentile
Higher debt load relative to assets than 55% of similar nonprofits.
Neighborhood Lending Services Inc.
990 • Fiscal year 2013 • EIN 36-3471392
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.34x
Liabilities / Revenue
Score unavailable
Liabilities-to-revenue requires both liabilities and revenue on this filing.
Net Margin
Score unavailable
Net margin requires both revenue and expenses on this filing.
Top Officer Pay
Score unavailable
This filing does not contain officer compensation rows.
Asset Growth
26th percentile
Faster asset growth than 26% of similar nonprofits.
Revenue Growth
Score unavailable
No valid filing value is available for this score.
Balance Sheet
Assets
Down$33,572,690
Down $290,272 (-0.9%) from 2012
Net Assets
Down$22,120,493
Down $916,352 (-4.0%) from 2012
Liabilities
Up$11,452,197
Up $626,080 (+5.8%) from 2012
Revenue And Expenses
Revenue
-
No earlier filing loaded for comparison.
Expenses
Down$4,981,705
Down $501,886 (-9.2%) from 2012
Net Income
-
No earlier filing loaded for comparison.
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Apr 1, 2012 to Mar 31, 2013
- Signed
- Feb 18, 2014
- Return Version
- 2012v2.1
- Gross Receipts
- $5,176,315
Mission and Program Overview
Mission
The purposes for which nls was organized were: (i) to receive, administer and disburse funds exclusively for scientific, educational, and charitable purposes without pecuniary gain to its members; (ii) to make loans for the benefit of persons of low-moderate income who reside primarily in targeted neighborhoods for improvements to their residency;(iii) to stem or otherwise prevent deterioration of existing housing stock in targeted neighborhoods;(iv) to provide improved housing opportunities for persons of low- and moderate-income.
Major Activities
- Activity 2
- Nls loans and nhs counseling services resulted in 281 new home buyers who were able to purchase a home in nls' fiscal year 2013. Nls worked closely with its partner-lenders as well, providing services that resulted in an additional $20,779,773 of leveraged private mortgage capital provided to 188 borrowers in low-moderate income neighborhoods in chicago and elgin.
Filing and Contact Details
Filer
- EIN
- 36-3471392
Raw XML AppendixShowing 400 of 611 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.
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| IRS990/Activity2/Description | 0 | NLS LOANS AND NHS COUNSELING SERVICES RESULTED IN 281 NEW HOME BUYERS WHO WERE ABLE TO PURCHASE A HOME IN NLS' FISCAL YEAR 2013. NLS WORKED CLOSELY WITH ITS PARTNER-LENDERS AS WELL, PROVIDING SERVICES THAT RESULTED IN AN ADDITIONAL $20,779,773 OF LEVERAGED PRIVATE MORTGAGE CAPITAL PROVIDED TO 188 BORROWERS IN LOW-MODERATE INCOME NEIGHBORHOODS IN CHICAGO AND ELGIN. |
| IRS990/ActivityOrMissionDescription | 0 | REVITALIZE UNDERSERVED CHICAGO NEIGHBORHOODS BY ORIGINATING AFFORDABLE FIXED-RATE MORTGAGE LOANS FOR LOW- AND MODERATE-INCOME BORROWERS THROUGHOUT CHICAGO AND ELGIN. |
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| IRS990/Description | 0 | NEIGHBORHOOD LENDING SERVICES, INC. (NLS) IS AN ILLINOIS RESIDENTIAL MORTGAGE LICENSEE (#M000661) AND AN EQUAL OPPORTUNITY HOUSING LENDER, INCORPORATED IN 1987 TO PROVIDE AFFORDABLE FINANCING FOR HOME PURCHASE, HOME IMPROVEMENTS OR REFINANCE LOANS TO HELP BORROWERS BUY, FIX, AND KEEP THEIR HOMES. NLS ORIGINATES AFFORDABLE FIXED-RATE LOANS FOR BORROWERS IN THE CITY OF CHICAGO AND THE CITY OF ELGIN. NLS OFFERS FIRST MORTGAGES FOR HOME PURCHASE, PURCHASE/REHAB, REFINANCE, AND REFINANCE/REHAB; AS WELL AS SUBORDINATE FINANCING FOR HOME IMPROVEMENT, FORECLOSURE INTERVENTION, OR AS PART OF A PURCHASE OR REFINANCE TRANSACTION. THROUGH ITS PARTNERSHIPS WITH THE CITY OF CHICAGO, THE CITY OF ELGIN, AND KANE COUNTY, NLS ALSO OFFERS FORGIVABLE AND DEFERRED LOANS IN TANDEM WITH OTHER NLS LOAN PRODUCTS. NLS LOANS WERE DIRECTLY RESPONSIBLE FOR 74 HOME BUYERS PURCHASING A NEW HOME AND IMPACTED AN ADDITIONAL 69 HOUSEHOLDS THROUGH REFINANCING AND 26 HOUSEHOLDS THROUGH HOME IMPROVEMENT LENDING. NLS ORIGINATED $19,475,313 IN LOANS USING PRIVATE CAPITAL AND DEPLOYED $6,560,270 IN PUBLIC FUNDS. A TOTAL OF 614 HOUSEHOLDS WERE IMPACTED THROUGH NLS LENDING OF PRIVATE FUNDS AND DISTRIBUTION OF PUBLIC FUNDS. |
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| IRS990/MissionDescription | 0 | THE PURPOSES FOR WHICH NLS WAS ORGANIZED WERE:(I) TO RECEIVE, ADMINISTER AND DISBURSE FUNDS EXCLUSIVELY FOR SCIENTIFIC, EDUCATIONAL, AND CHARITABLE PURPOSES WITHOUT PECUNIARY GAIN TO ITS MEMBERS;(II) TO MAKE LOANS FOR THE BENEFIT OF PERSONS OF LOW/MODERATE INCOME WHO RESIDE PRIMARILY IN TARGETED INNER-CITY NEIGHBORHOODS FOR IMPROVEMENTS TO THEIR RESIDENCY;(III) TO STEM OR OTHERWISE PREVENT DETERIORATION OF EXISTING HOUSING STOCK IN TARGETED INNER-CITY NEIGHBORHOODS; AND(IV) TO PROVIDE IMPROVED HOUSING FACILITIES FOR PERSONS OF LOW AND MODERATE INCOME. |
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| IRS990/ReportInvestOthSecurities | 0 | 0 |
| IRS990/ReportLandBldgEquip | 0 | 0 |
| IRS990/ReportOtherAssets | 0 | 1 |
| IRS990/ReportOtherLiabilities | 0 | 1 |
| IRS990/ReportProgRelInvest | 0 | 0 |
| IRS990/Revenue | 0 | 4148535 |
| IRS990/RevenuesLessExpensesCY | 0 | 99113 |
| IRS990/RevenuesLessExpensesPriorYear | 0 | -1017421 |
| IRS990/SalariesEtcCurrentYear | 0 | 2265762 |
| IRS990/SalariesEtcPriorYear | 0 | 2289354 |
| IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYear | 0 | 931594 |
| IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYearMinus1Year | 0 | 1053591 |
| IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYearMinus2Years | 0 | 2880885 |
| IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYearMinus3Years | 0 | 3368395 |
| IRS990ScheduleA/GiftsGrantsContribReceived170/CurrentTaxYearMinus4Years | 0 | 3872609 |
| IRS990ScheduleA/GiftsGrantsContribReceived170/Total | 0 | 12107074 |
| IRS990ScheduleA/GrossInvestmentIncome170/CurrentTaxYear | 0 | 689 |
| IRS990ScheduleA/GrossInvestmentIncome170/CurrentTaxYearMinus1Year | 0 | 132 |
| IRS990ScheduleA/GrossInvestmentIncome170/CurrentTaxYearMinus2Years | 0 | 536 |
| IRS990ScheduleA/GrossInvestmentIncome170/CurrentTaxYearMinus3Years | 0 | 2601 |
| IRS990ScheduleA/GrossInvestmentIncome170/CurrentTaxYearMinus4Years | 0 | 26456 |
| IRS990ScheduleA/GrossInvestmentIncome170/Total | 0 | 30414 |
| IRS990ScheduleA/OtherIncome170/CurrentTaxYear | 0 | 106617 |
| IRS990ScheduleA/OtherIncome170/CurrentTaxYearMinus1Year | 0 | 181765 |
| IRS990ScheduleA/OtherIncome170/CurrentTaxYearMinus2Years | 0 | 62748 |
| IRS990ScheduleA/OtherIncome170/CurrentTaxYearMinus3Years | 0 | 74000 |
| IRS990ScheduleA/OtherIncome170/CurrentTaxYearMinus4Years | 0 | 43309 |
| IRS990ScheduleA/OtherIncome170/Total | 0 | 468439 |
| IRS990ScheduleA/PubliclySupportedOrg170b1Avi | 0 | X |
| IRS990ScheduleA/PublicSupportPertcentage170 | 0 | 0.96040 |
| IRS990ScheduleA/PublicSupportPertcentPriorYear | 0 | 0.96800 |
| IRS990ScheduleA/PublicSupportTotal170 | 0 | 12107074 |
| IRS990ScheduleA/ThirtyThreePercntTestsCY170 | 0 | X |
| IRS990ScheduleA/Total170/CurrentTaxYear | 0 | 931594 |
| IRS990ScheduleA/Total170/CurrentTaxYearMinus1Year | 0 | 1053591 |
| IRS990ScheduleA/Total170/CurrentTaxYearMinus2Years | 0 | 2880885 |
| IRS990ScheduleA/Total170/CurrentTaxYearMinus3Years | 0 | 3368395 |
| IRS990ScheduleA/Total170/CurrentTaxYearMinus4Years | 0 | 3872609 |
| IRS990ScheduleA/Total170/Total | 0 | 12107074 |
| IRS990ScheduleA/TotalSupport | 0 | 12605927 |
| IRS990ScheduleB/ContributorInfo/AggregateContributions | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorAddressUS/AddressLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorAddressUS/AddressLine2 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorAddressUS/City | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorAddressUS/State | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorAddressUS/ZIPCode | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorNameBusiness/BusinessNameLine1 | 0 | RESTRICTED |
| IRS990ScheduleB/ContributorInfo/ContributorNumber | 0 | RESTRICTED |
| IRS990/ScheduleBRequired | 0 | 1 |
| IRS990ScheduleD/AdditionsDuringYear | 0 | 16437826 |
| IRS990ScheduleD/AgentTrusteeEtc | 0 | 1 |
| IRS990ScheduleD/BeginningBalance | 0 | 129445519 |
| IRS990ScheduleD/DistributionsDuringYear | 0 | 23819029 |
| IRS990ScheduleD/DonatedSrvcAndUseOfFacilities | 0 | 63100 |
| IRS990ScheduleD/EndingBalance | 0 | 122064316 |
| IRS990ScheduleD/ExpensesNotRptdF990 | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptdOnFinStmt | 0 | -65497 |
| IRS990ScheduleD/ExpensesSubtotal | 0 | 5047202 |
| IRS990ScheduleD/FootnoteInPartXIII | 0 | X |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation | 0 | NLS IS THE SERVICER OF MORTGAGE LOANS UNDER CERTAIN PARTICIPATION, SALE, AND SERVICING AGREEMENTS WITH VARIOUS FINANCIAL INSTITUTIONS. |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation | 1 | NLS IS A NOT-FOR-PROFIT CORPORATION AND IS EXEMPT FROM TAX UNDER THE PROVISIONS OF INTERNAL REVENUE CODE 501(C)(3). U.S. GAAP REQUIRES MANAGEMENT TO EVALUATE TAX POSITIONS TAKEN BY THE ORGANIZATION AND RECOGNIZE A TAX LIABILITY IF THE ORGANIZATION HAS TAKEN AN UNCERTAIN POSITION THAT MORE LIKELY THAN NOT WOULD NOT BE SUSTAINED UPON EXAMINATION BY THE IRS OR OTHER APPLICABLE TAXING AUTHORITIES. MANAGEMENT HAS ANALYZED THE TAX POSITIONS TAKEN BY NLS AND HAS CONCLUDED THAT AS OF MARCH 31, 2013 AND 2012, THERE ARE NO UNCERTAIN POSITIONS TAKEN OR EXPECTED TO BE TAKEN THAT WOULD REQUIRE RECOGNITION OF A LIABILITY OR DISCLOSURE IN THE FINANCIAL STATEMENTS. NLS IS SUBJECT TO ROUTINE AUDITS BY TAXING JURISDICTIONS; HOWEVER, THERE ARE CURRENTLY NO AUDITS FOR ANY TAX PERIODS IN PROGRESS. THE INITIAL PERIOD OF NLS IS STILL SUBJECT TO REVIEW BY TAXING AUTHORITIES. |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation | 2 | LOSS ON SALE OF PROPERTY -65,497. |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Explanation | 3 | LOSS ON SALE OF PROPERTY -65,497. |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier | 0 | DESCRIPTION OF UNCERTAIN TAX POSITIONS UNDER FIN 48: |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier | 1 | PART XI, LINE 4B - OTHER ADJUSTMENTS: |
| IRS990ScheduleD/Form990ScheduleDPartXIII/Identifier | 2 | PART XII, LINE 4B - OTHER ADJUSTMENTS: |
| IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference | 0 | PART IV, LINE 2B: |
| IRS990ScheduleD/Form990ScheduleDPartXIII/ReturnReference | 1 | PART X, LINE 2: |
| IRS990ScheduleD/IncludedOnFS | 0 | 0 |
| IRS990ScheduleD/OtherAssets/BookValue | 0 | 7488234 |
| IRS990ScheduleD/OtherAssets/BookValue | 1 | 8743552 |
| IRS990ScheduleD/OtherAssets/BookValue | 2 | 70813 |
| IRS990ScheduleD/OtherAssets/Description | 0 | LOANS HELD FOR SALE |
| IRS990ScheduleD/OtherAssets/Description | 1 | ACCOUNTS RECEIVABLE - AFFILIATES |
| IRS990ScheduleD/OtherAssets/Description | 2 | PROPERTY HELD FOR REHABILITATION AND RESALE |
| IRS990ScheduleD/OtherExpensesNotIncluded | 0 | -65497 |
| IRS990ScheduleD/OtherLiabilities/Amount | 0 | 31001 |
| IRS990ScheduleD/OtherLiabilities/Amount | 1 | 3760427 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2013 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
- Assets
- $33,572,690
- Liabilities
- $11,452,197
- Net assets
- $22,120,493
- Revenue
- -
- Expenses
- $4,981,705
- Net income
- -