Liabilities / Assets
64th percentile
Higher debt load relative to assets than 64% of similar nonprofits.
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
Liabilities / Assets
64th percentile
Higher debt load relative to assets than 64% of similar nonprofits.
Liabilities / Revenue
73rd percentile
Higher debt load relative to revenue than 73% of similar nonprofits.
Net Margin
98th percentile
Higher net margin than 98% of similar nonprofits.
Top Officer Pay
73rd percentile
Higher top officer pay than 73% of similar nonprofits.
Top officer pay equals 2.8% of source-year revenue.
Asset Growth
97th percentile
Faster asset growth than 97% of similar nonprofits.
Revenue Growth
98th percentile
Faster revenue growth than 98% of similar nonprofits.
Assets
Up$19,546,993
Up $10,454,163 (+115%) from 2023
Net Assets
Up$13,532,469
Up $9,026,622 (+200%) from 2023
Liabilities
Up$6,014,524
Up $1,427,541 (+31%) from 2023
Revenue
Up$9,717,402
Up $8,186,210 (+535%) from 2023
Expenses
Up$690,780
Up $184,858 (+37%) from 2023
Net Income
Up$9,026,622
Up $8,001,352 (+780%) from 2023
ACTS Lending, Inc. provides mortgage capital to assist families primarily with financing for the repairs needed to reclaim vacant, distressed, homes in Milwaukee and Beloit's neighborhoods.
Acts lending's mission is empowerment through homeownership.
| Line | Beginning | End | Change |
|---|---|---|---|
| Assets | |||
| Other Notes and Loans Receivable, Net | $7,136,882 | $10,311,976 | ▲ $3,175,094 |
| Pledges and Grants Receivable | - | $7,664,208 | - |
| Cash and Non-Interest-Bearing Accounts | $822,479 | $1,214,814 | ▲ $392,335 |
| Savings and Temporary Cash Investments | $1,083,873 | $321,230 | ▼ $762,643 |
| Accounts Receivable | $49,596 | $34,765 | ▼ $14,831 |
| Total Assets | $9,092,830 | $19,546,993 | ▲ $10,454,163 |
| Liabilities | |||
| Unsecured Notes Loans Payable | $4,137,343 | $5,428,406 | ▲ $1,291,063 |
| Accounts Payable and Accrued Expenses | - | $560,931 | - |
| Other Liabilities | $435,781 | $0 | ▼ $435,781 |
| Escrow Account Liability | $13,859 | $25,187 | ▲ $11,328 |
| Total Liabilities | $4,586,983 | $6,014,524 | ▲ $1,427,541 |
| Net Assets / Fund Balance | |||
| Net Assets With Donor Restrictions | - | $7,762,040 | - |
| Net Assets Without Donor Restrictions | $4,505,847 | $5,770,429 | ▲ $1,264,582 |
| Total Net Assets Fund Balance | $4,505,847 | $13,532,469 | ▲ $9,026,622 |
| Total Liabilities and Net Assets / Fund Balance | $9,092,830 | $19,546,993 | ▲ $10,454,163 |
| Name | Title | Full / Part Time | Other | Total |
|---|---|---|---|---|
| Deatra Kemp | VP Programs | - | $139,415 | $139,415 |
| Kelly Andrew | VP Strategic Partnerships | PT | $138,574 | $138,574 |
| Name | Title |
|---|---|
| Heather Ramirez | Chair |
| Michael Gosman | President & CEO |
| Marc Perry | Director |
| Oscar Tovar | Director |
| Rae Johnson | Director |
| Doug Levy | Secretary |
| Anthony Franda | Treasurer |
| Dorothy York | VP Real Estate |
| Line Item | Amount |
|---|---|
| Other Expenses | $440,495 |
| Salaries, Compensation, and Employee Benefits | $250,285 |
| Total Fundraising Expense | $50,795 |
| Grants and Similar Amounts Paid | $0 |
| Professional Fundraising Fees | $0 |
| Line Item | Program | Management | Fundraising | Total |
|---|---|---|---|---|
| Other Salaries and Wages | $129,721 | $20,230 | $38,927 | $188,878 |
| Interest | $91,621 | - | - | $91,621 |
| Fees for Services Accounting | - | $57,891 | - | $57,891 |
| Fees for Services Other | $27,870 | - | - | $27,870 |
| Other Employee Benefits | $15,835 | $2,626 | $4,701 | $23,162 |
| Information Technology | $14,524 | $1,844 | $2,437 | $18,805 |
| Payroll Taxes | $11,044 | $2,963 | $3,314 | $17,321 |
| Current Officers, Directors, Trustees, and Key Employees | - | $16,595 | - | $16,595 |
| Office Expenses | $3,146 | $7,926 | $510 | $11,582 |
| Pension Plan Contributions | $3,050 | $373 | $906 | $4,329 |
| Occupancy | - | $1,647 | - | $1,647 |
| Other Expenses | $22 | $966 | - | $988 |
| Conferences and Meetings | $99 | $444 | - | $543 |
| Travel | $261 | $44 | - | $305 |
| Total Functional Expenses | $526,436 | $113,549 | $50,795 | $690,780 |
| Line Item | Amount |
|---|---|
| Expenses per Audited Statements | $690,780 |
| Total Expenses per Audited Statements | $690,780 |
| Total Expenses per Form 990 | $690,780 |
| Expenses Not Reported on Financial Statements | $0 |
| Expenses Not Reported on Form 990 | $0 |
| Line Item | Amount |
|---|---|
| Professional Fundraising Fees | $0 |
“Line 8b explanation - there are no committees that have authority to act on behalf of the governing body.”
“Line 11b explanation - the entire board is provided the 990 (excluding schedule b) for review prior to filing, the executive committee reviews the full 990 (including schedule b) and discusses any necessary items with the full board”
“Board members are required to disclose potential conflicts of interest. Other members of the board or committee determine if a conflict exists. When this occurs the board member with a conflict of interest is asked to leave during the discussion and vote.”
“Acts lending does not give compensation directly to any employees. All compensation is paid through acts housing and charged back to lending.”
“UPON REQUEST”
“No changes from prior year”
“The organization holds escrow accounts related to lending program for homeowner property taxes and insurance.”
“The organization is exempt from income tax under section 501(c)(3) of the internal revenue code and is classified as other than a private foundation. The affiliate is a solely owned corporation and therefore the internal revenue service considers it to be a disregarded entity for tax purposes. All affiliate activity is included under acts community development corporation for tax purposes. Management has reviewed all tax positions recognized in previously filed tax returns and those expected to be taken in future tax returns. As of december 31, 2024, the organization and affiliate had no amounts related to unrecognized income tax benefits and no amounts related to accrued interest and penalties. The organization does not anticipate any significant changes to unrecognized income tax benefits over the next year.”
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990/AccountantCompileOrReviewInd | 0 | 0 |
| IRS990/AccountsPayableAccrExpnssGrp/EOYAmt | 0 | 560931 |
| IRS990/AccountsReceivableGrp/BOYAmt | 0 | 49596 |
| IRS990/AccountsReceivableGrp/EOYAmt | 0 | 34765 |
| IRS990/ActivitiesConductedPrtshpInd | 0 | 0 |
| IRS990/ActivityOrMissionDesc | 0 | ACTS LENDING'S MISSION IS EMPOWERMENT THROUGH HOMEOWNERSHIP. |
| IRS990/AddressChangeInd | 0 | X |
| IRS990/AllOtherContributionsAmt | 0 | 20 |
| IRS990/AnnualDisclosureCoveredPrsnInd | 0 | 1 |
| IRS990/AuditCommitteeInd | 0 | 1 |
| IRS990/BackupWthldComplianceInd | 0 | 1 |
| IRS990/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | BRIAN MALANEY |
| IRS990/BooksInCareOfDetail/PhoneNum | 0 | 4149332215 |
| IRS990/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 270 E KILBOURN AVE 5TH FLOOR |
| IRS990/BooksInCareOfDetail/USAddress/CityNm | 0 | MILWAUKEE |
| IRS990/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | WI |
| IRS990/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 53202 |
| IRS990/BusinessRlnWith35CtrlEntInd | 0 | 0 |
| IRS990/BusinessRlnWithFamMemInd | 0 | 0 |
| IRS990/BusinessRlnWithOrgMemInd | 0 | 0 |
| IRS990/CashNonInterestBearingGrp/BOYAmt | 0 | 822479 |
| IRS990/CashNonInterestBearingGrp/EOYAmt | 0 | 1214814 |
| IRS990/ChangeToOrgDocumentsInd | 0 | 0 |
| IRS990/CntrctRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/CollectionsOfArtInd | 0 | 0 |
| IRS990/CompCurrentOfcrDirectorsGrp/ManagementAndGeneralAmt | 0 | 16595 |
| IRS990/CompCurrentOfcrDirectorsGrp/TotalAmt | 0 | 16595 |
| IRS990/CompensationFromOtherSrcsInd | 0 | 0 |
| IRS990/CompensationProcessCEOInd | 0 | 1 |
| IRS990/CompensationProcessOtherInd | 0 | 1 |
| IRS990/ConferencesMeetingsGrp/ManagementAndGeneralAmt | 0 | 444 |
| IRS990/ConferencesMeetingsGrp/ProgramServicesAmt | 0 | 99 |
| IRS990/ConferencesMeetingsGrp/TotalAmt | 0 | 543 |
| IRS990/ConflictOfInterestPolicyInd | 0 | 1 |
| IRS990/ConservationEasementsInd | 0 | 0 |
| IRS990/ConsolidatedAuditFinclStmtInd | 0 | 1 |
| IRS990/CreditCounselingInd | 0 | 1 |
| IRS990/CYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/CYContributionsGrantsAmt | 0 | 9256082 |
| IRS990/CYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/CYInvestmentIncomeAmt | 0 | 18004 |
| IRS990/CYOtherExpensesAmt | 0 | 440495 |
| IRS990/CYOtherRevenueAmt | 0 | 32 |
| IRS990/CYProgramServiceRevenueAmt | 0 | 443284 |
| IRS990/CYRevenuesLessExpensesAmt | 0 | 9026622 |
| IRS990/CYSalariesCompEmpBnftPaidAmt | 0 | 250285 |
| IRS990/CYTotalExpensesAmt | 0 | 690780 |
| IRS990/CYTotalFundraisingExpenseAmt | 0 | 50795 |
| IRS990/CYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/CYTotalRevenueAmt | 0 | 9717402 |
| IRS990/DecisionsSubjectToApprovaInd | 0 | 0 |
| IRS990/DeductibleArtContributionInd | 0 | 0 |
| IRS990/DeductibleNonCashContriInd | 0 | 0 |
| IRS990/DelegationOfMgmtDutiesInd | 0 | 0 |
| IRS990/Desc | 0 | ACTS LENDING, INC., PROMOTES AFFORDABLE HOMEOWNERSHIP BY UNDERWRITING, ORIGINATING AND SERVICING LOANS FOR FAMILIES THAT CANNOT ACCESS TRADITIONAL LENDING PRODUCTS. LOANS ARE OUTSTANDING TO 172 INDIVIDUALS/FAMILIES AND THE PORTFOLIO HAS 90+ DAY DELINQUENCIES OF LESS THAN 5% OF THE PORTFOLIO AS OF DECEMBER 31, 2024. |
| IRS990/DescribedInSection501c3Ind | 0 | 1 |
| IRS990/DisregardedEntityInd | 0 | 0 |
| IRS990/DocumentRetentionPolicyInd | 0 | 1 |
| IRS990/DonorAdvisedFundInd | 0 | 0 |
| IRS990/DonorRestrictionNetAssetsGrp/EOYAmt | 0 | 7762040 |
| IRS990/DonorRstrOrQuasiEndowmentsInd | 0 | 0 |
| IRS990/ElectionOfBoardMembersInd | 0 | 0 |
| IRS990/EmployeeCnt | 0 | 0 |
| IRS990/EngagedInExcessBenefitTransInd | 0 | 0 |
| IRS990/EscrowAccountLiabilityGrp/BOYAmt | 0 | 13859 |
| IRS990/EscrowAccountLiabilityGrp/EOYAmt | 0 | 25187 |
| IRS990/ExpenseAmt | 0 | 526436 |
| IRS990/FamilyOrBusinessRlnInd | 0 | 0 |
| IRS990/FederalGrantAuditRequiredInd | 0 | 0 |
| IRS990/FeesForServicesAccountingGrp/ManagementAndGeneralAmt | 0 | 57891 |
| IRS990/FeesForServicesAccountingGrp/TotalAmt | 0 | 57891 |
| IRS990/FeesForServicesOtherGrp/ProgramServicesAmt | 0 | 27870 |
| IRS990/FeesForServicesOtherGrp/TotalAmt | 0 | 27870 |
| IRS990/ForeignActivitiesInd | 0 | 0 |
| IRS990/ForeignFinancialAccountInd | 0 | 0 |
| IRS990/ForeignOfficeInd | 0 | 0 |
| IRS990/Form8282PropertyDisposedOfInd | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 0 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 1 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 4 | 2.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 6 | 42.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 7 | 36.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 8 | 45.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRltdOrgRt | 9 | 42.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 0 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 1 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 2 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 3 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 4 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 5 | 1.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 6 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 7 | 9.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 8 | 0.00 |
| IRS990/Form990PartVIISectionAGrp/AverageHoursPerWeekRt | 9 | 3.00 |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/HighestCompensatedEmployeeInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 4 | X |
| IRS990/Form990PartVIISectionAGrp/IndividualTrusteeOrDirectorInd | 5 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 0 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 1 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 2 | X |
| IRS990/Form990PartVIISectionAGrp/OfficerInd | 3 | X |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 6 | 78612 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 7 | 14163 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 8 | 16848 |
| IRS990/Form990PartVIISectionAGrp/OtherCompensationAmt | 9 | 24416 |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 0 | HEATHER RAMIREZ |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 1 | ANTHONY FRANDA |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 2 | DOUG LEVY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 3 | RAE JOHNSON |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 4 | MARC PERRY |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 5 | OSCAR TOVAR |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 6 | MICHAEL GOSMAN |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 7 | KELLY ANDREW |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 8 | DOROTHY YORK |
| IRS990/Form990PartVIISectionAGrp/PersonNm | 9 | DEATRA KEMP |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 6 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 7 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 8 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromOrgAmt | 9 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 0 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 1 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 2 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 3 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 4 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 5 | 0 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 6 | 192167 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 7 | 124411 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 8 | 134881 |
| IRS990/Form990PartVIISectionAGrp/ReportableCompFromRltdOrgAmt | 9 | 114999 |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 0 | CHAIR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 1 | TREASURER |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 2 | SECRETARY |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 3 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 4 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 5 | DIRECTOR |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 6 | PRESIDENT & CEO |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 7 | VP STRATEGIC PARTNERSHIPS |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 8 | VP REAL ESTATE |
| IRS990/Form990PartVIISectionAGrp/TitleTxt | 9 | VP PROGRAMS |
| IRS990/Form990ProvidedToGvrnBodyInd | 0 | 1 |
| IRS990/FormationYr | 0 | 2013 |
| IRS990/FormerOfcrEmployeesListedInd | 0 | 0 |
| IRS990/FSAuditedBasisGrp/ConsolAndSepBasisFinclStmtInd | 0 | X |
| IRS990/FSAuditedInd | 0 | 1 |
| IRS990/FundraisingActivitiesInd | 0 | 0 |
| IRS990/GamingActivitiesInd | 0 | 0 |
| IRS990/GoverningBodyVotingMembersCnt | 0 | 6 |
| IRS990/GovernmentGrantsAmt | 0 | 41000 |
| IRS990/GrantsToIndividualsInd | 0 | 0 |
| IRS990/GrantsToOrganizationsInd | 0 | 0 |
| IRS990/GrantToRelatedPersonInd | 0 | 0 |
| IRS990/GrossReceiptsAmt | 0 | 9717402 |
| IRS990/GroupReturnForAffiliatesInd | 0 | 0 |
| IRS990/IncludeFIN48FootnoteInd | 0 | 1 |
| IRS990/IndependentAuditFinclStmtInd | 0 | 1 |
| IRS990/IndependentVotingMemberCnt | 0 | 6 |
| IRS990/IndivRcvdGreaterThan100KCnt | 0 | 0 |
| IRS990/IndoorTanningServicesInd | 0 | 0 |
| IRS990/InfoInScheduleOPartVIInd | 0 | X |
| IRS990/InfoInScheduleOPartXIIInd | 0 | X |
| IRS990/InformationTechnologyGrp/FundraisingAmt | 0 | 2437 |
| IRS990/InformationTechnologyGrp/ManagementAndGeneralAmt | 0 | 1844 |
| IRS990/InformationTechnologyGrp/ProgramServicesAmt | 0 | 14524 |
| IRS990/InformationTechnologyGrp/TotalAmt | 0 | 18805 |
| IRS990/InterestGrp/ProgramServicesAmt | 0 | 91621 |
| IRS990/InterestGrp/TotalAmt | 0 | 91621 |
| IRS990/InvestmentIncomeGrp/ExclusionAmt | 0 | 18004 |
| IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt | 0 | 18004 |
| IRS990/InvestmentInJointVentureInd | 0 | 0 |
| IRS990/IRPDocumentCnt | 0 | 0 |
| IRS990/IRPDocumentW2GCnt | 0 | 0 |
| IRS990/LegalDomicileStateCd | 0 | WI |
| IRS990/LoanOutstandingInd | 0 | 0 |
| IRS990/LobbyingActivitiesInd | 0 | 0 |
| IRS990/LocalChaptersInd | 0 | 0 |
| IRS990/MaterialDiversionOrMisuseInd | 0 | 0 |
| IRS990/MembersOrStockholdersInd | 0 | 0 |
| IRS990/MethodOfAccountingAccrualInd | 0 | X |
| IRS990/MinutesOfCommitteesInd | 0 | 0 |
| IRS990/MinutesOfGoverningBodyInd | 0 | 1 |
| IRS990/MissionDesc | 0 | ACTS LENDING, INC.'S MISSION IS EMPOWERMENT THROUGH HOMEOWNERSHIP. |
| IRS990/MoreThan5000KToIndividualsInd | 0 | 0 |
| IRS990/MoreThan5000KToOrgInd | 0 | 0 |
| IRS990/NetAssetsOrFundBalancesBOYAmt | 0 | 4505847 |
| IRS990/NetAssetsOrFundBalancesEOYAmt | 0 | 13532469 |
| IRS990/NetUnrelatedBusTxblIncmAmt | 0 | 0 |
| IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt | 0 | 4505847 |
| IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt | 0 | 5770429 |
| IRS990/NondeductibleContributionsInd | 0 | 0 |
| IRS990/OccupancyGrp/ManagementAndGeneralAmt | 0 | 1647 |
| IRS990/OccupancyGrp/TotalAmt | 0 | 1647 |
| IRS990/OfficeExpensesGrp/FundraisingAmt | 0 | 510 |
| IRS990/OfficeExpensesGrp/ManagementAndGeneralAmt | 0 | 7926 |
| IRS990/OfficeExpensesGrp/ProgramServicesAmt | 0 | 3146 |
| IRS990/OfficeExpensesGrp/TotalAmt | 0 | 11582 |
| IRS990/OfficerMailingAddressInd | 0 | 0 |
| IRS990/OperateHospitalInd | 0 | 0 |
| IRS990/Organization501c3Ind | 0 | X |
| IRS990/OrganizationFollowsFASB117Ind | 0 | X |
| IRS990/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990/OtherEmployeeBenefitsGrp/FundraisingAmt | 0 | 4701 |
| IRS990/OtherEmployeeBenefitsGrp/ManagementAndGeneralAmt | 0 | 2626 |
| IRS990/OtherEmployeeBenefitsGrp/ProgramServicesAmt | 0 | 15835 |
| IRS990/OtherEmployeeBenefitsGrp/TotalAmt | 0 | 23162 |
| IRS990/OtherExpensesGrp/Desc | 0 | BAD DEBTS |
| IRS990/OtherExpensesGrp/Desc | 1 | LOAN SERVICING FEES |
| IRS990/OtherExpensesGrp/Desc | 2 | STAFF DEVELOPMENT |
| IRS990/OtherExpensesGrp/Desc | 3 | MISCELLANEOUS EXPENSES |
| IRS990/OtherExpensesGrp/ManagementAndGeneralAmt | 0 | 966 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 0 | 163023 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 1 | 61345 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 2 | 4875 |
| IRS990/OtherExpensesGrp/ProgramServicesAmt | 3 | 22 |
| IRS990/OtherExpensesGrp/TotalAmt | 0 | 163023 |
| IRS990/OtherExpensesGrp/TotalAmt | 1 | 61345 |
| IRS990/OtherExpensesGrp/TotalAmt | 2 | 4875 |
| IRS990/OtherExpensesGrp/TotalAmt | 3 | 988 |
| IRS990/OtherLiabilitiesGrp/BOYAmt | 0 | 435781 |
| IRS990/OtherLiabilitiesGrp/EOYAmt | 0 | 0 |
| IRS990/OtherRevenueMiscGrp/BusinessCd | 0 | 900099 |
| IRS990/OtherRevenueMiscGrp/Desc | 0 | OTHER REVENUE |
| IRS990/OtherRevenueMiscGrp/RelatedOrExemptFuncIncomeAmt | 0 | 32 |
| IRS990/OtherRevenueMiscGrp/TotalRevenueColumnAmt | 0 | 32 |
| IRS990/OtherRevenueTotalAmt | 0 | 32 |
| IRS990/OtherSalariesAndWagesGrp/FundraisingAmt | 0 | 38927 |
| IRS990/OtherSalariesAndWagesGrp/ManagementAndGeneralAmt | 0 | 20230 |
| IRS990/OtherSalariesAndWagesGrp/ProgramServicesAmt | 0 | 129721 |
| IRS990/OtherSalariesAndWagesGrp/TotalAmt | 0 | 188878 |
| IRS990/OtherWebsiteInd | 0 | X |
| IRS990/OthNotesLoansReceivableNetGrp/BOYAmt | 0 | 7136882 |
| IRS990/OthNotesLoansReceivableNetGrp/EOYAmt | 0 | 10311976 |
| IRS990/PartialLiquidationInd | 0 | 0 |
| IRS990/PayPremiumsPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/PayrollTaxesGrp/FundraisingAmt | 0 | 3314 |
| IRS990/PayrollTaxesGrp/ManagementAndGeneralAmt | 0 | 2963 |
| IRS990/PayrollTaxesGrp/ProgramServicesAmt | 0 | 11044 |
| IRS990/PayrollTaxesGrp/TotalAmt | 0 | 17321 |
| IRS990/PensionPlanContributionsGrp/FundraisingAmt | 0 | 906 |
| IRS990/PensionPlanContributionsGrp/ManagementAndGeneralAmt | 0 | 373 |
| IRS990/PensionPlanContributionsGrp/ProgramServicesAmt | 0 | 3050 |
| IRS990/PensionPlanContributionsGrp/TotalAmt | 0 | 4329 |
| IRS990/PledgesAndGrantsReceivableGrp/EOYAmt | 0 | 7664208 |
| IRS990/PoliticalCampaignActyInd | 0 | 0 |
| IRS990/PrincipalOfficerNm | 0 | MICHAEL GOSMAN |
| IRS990/ProfessionalFundraisingInd | 0 | 0 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 0 | 522292 |
| IRS990/ProgramServiceRevenueGrp/BusinessCd | 1 | 522292 |
| IRS990/ProgramServiceRevenueGrp/Desc | 0 | LOAN INTEREST INCOME |
| IRS990/ProgramServiceRevenueGrp/Desc | 1 | PROGRAM SERVICE FEES |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 0 | 418039 |
| IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt | 1 | 25245 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 0 | 418039 |
| IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt | 1 | 25245 |
| IRS990/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990/PYBenefitsPaidToMembersAmt | 0 | 0 |
| IRS990/PYContributionsGrantsAmt | 0 | 1192569 |
| IRS990/PYExcessBenefitTransInd | 0 | 0 |
| IRS990/PYGrantsAndSimilarPaidAmt | 0 | 0 |
| IRS990/PYInvestmentIncomeAmt | 0 | 0 |
| IRS990/PYOtherExpensesAmt | 0 | 376686 |
| IRS990/PYOtherRevenueAmt | 0 | 36 |
| IRS990/PYProgramServiceRevenueAmt | 0 | 338587 |
| IRS990/PYRevenuesLessExpensesAmt | 0 | 1025270 |
| IRS990/PYSalariesCompEmpBnftPaidAmt | 0 | 129236 |
| IRS990/PYTotalExpensesAmt | 0 | 505922 |
| IRS990/PYTotalProfFndrsngExpnsAmt | 0 | 0 |
| IRS990/PYTotalRevenueAmt | 0 | 1531192 |
| IRS990/QuidProQuoContributionsInd | 0 | 0 |
| IRS990/RcvFndsToPayPrsnlBnftCntrctInd | 0 | 0 |
| IRS990/ReconcilationRevenueExpnssAmt | 0 | 9026622 |
| IRS990/RegularMonitoringEnfrcInd | 0 | 1 |
| IRS990/RelatedEntityInd | 0 | 1 |
| IRS990/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990/RelatedOrganizationsAmt | 0 | 9215062 |
| IRS990/ReportInvestmentsOtherSecInd | 0 | 0 |
| IRS990/ReportLandBuildingEquipmentInd | 0 | 0 |
| IRS990/ReportOtherAssetsInd | 0 | 0 |
| IRS990/ReportOtherLiabilitiesInd | 0 | 0 |
| IRS990/ReportProgramRelatedInvstInd | 0 | 0 |
| IRS990/RevenueAmt | 0 | 443316 |
| IRS990/SavingsAndTempCashInvstGrp/BOYAmt | 0 | 1083873 |
| IRS990/SavingsAndTempCashInvstGrp/EOYAmt | 0 | 321230 |
| IRS990ScheduleA/Form990ScheduleAPartVIGrp/ExplanationTxt | 0 | OTHER INCOME - 2020 AMOUNT: $ 2. 2021 AMOUNT: $ 939. 2022 AMOUNT: $ 595. 2023 AMOUNT: $ 36. 2024 AMOUNT: $ 32. |
| IRS990ScheduleA/Form990ScheduleAPartVIGrp/FormAndLineReferenceDesc | 0 | SCHEDULE A, PART II, LINE 10, EXPLANATION OF OTHER INCOME: |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt | 0 | 9256082 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt | 0 | 1192569 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 351612 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 526677 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 1473444 |
| IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt | 0 | 12800384 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt | 0 | 436043 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt | 0 | 317007 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 228244 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 157356 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 101781 |
| IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt | 0 | 1240431 |
| IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt | 0 | 79891 |
| IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearAmt | 0 | 32 |
| IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus1YearAmt | 0 | 36 |
| IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 595 |
| IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 939 |
| IRS990ScheduleA/OtherIncome170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 2 |
| IRS990ScheduleA/OtherIncome170Grp/TotalAmt | 0 | 1604 |
| IRS990ScheduleA/PublicOrganization170Ind | 0 | X |
| IRS990ScheduleA/PublicSupportCY170Pct | 0 | 0.87460 |
| IRS990ScheduleA/PublicSupportPY170Pct | 0 | 0.62430 |
| IRS990ScheduleA/PublicSupportTotal170Amt | 0 | 12281232 |
| IRS990ScheduleA/SubstantialContributorsTotAmt | 0 | 519152 |
| IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind | 0 | X |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt | 0 | 9256082 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt | 0 | 1192569 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt | 0 | 351612 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt | 0 | 526677 |
| IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt | 0 | 1473444 |
| IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt | 0 | 12800384 |
| IRS990ScheduleA/TotalSupportAmt | 0 | 14042419 |
| 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 |
| IRS990/ScheduleBRequiredInd | 0 | 1 |
| IRS990ScheduleD/AgentTrusteeEtcInd | 0 | 0 |
| IRS990ScheduleD/ExpensesNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesNotRptFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/ExpensesSubtotalAmt | 0 | 690780 |
| IRS990ScheduleD/ExplanationProvidedInd | 0 | X |
| IRS990ScheduleD/FootnoteTextInd | 0 | X |
| IRS990ScheduleD/InclEscrowCustodialAcctLiabInd | 0 | 1 |
| IRS990ScheduleD/RevenueNotReportedAmt | 0 | 0 |
| IRS990ScheduleD/RevenueNotReportedFinclStmtAmt | 0 | 0 |
| IRS990ScheduleD/RevenueSubtotalAmt | 0 | 9717402 |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 0 | THE ORGANIZATION HOLDS ESCROW ACCOUNTS RELATED TO LENDING PROGRAM FOR HOMEOWNER PROPERTY TAXES AND INSURANCE. |
| IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt | 1 | THE ORGANIZATION IS EXEMPT FROM INCOME TAX UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE AND IS CLASSIFIED AS OTHER THAN A PRIVATE FOUNDATION. THE AFFILIATE IS A SOLELY OWNED CORPORATION AND THEREFORE THE INTERNAL REVENUE SERVICE CONSIDERS IT TO BE A DISREGARDED ENTITY FOR TAX PURPOSES. ALL AFFILIATE ACTIVITY IS INCLUDED UNDER ACTS COMMUNITY DEVELOPMENT CORPORATION FOR TAX PURPOSES. MANAGEMENT HAS REVIEWED ALL TAX POSITIONS RECOGNIZED IN PREVIOUSLY FILED TAX RETURNS AND THOSE EXPECTED TO BE TAKEN IN FUTURE TAX RETURNS. AS OF DECEMBER 31, 2024, THE ORGANIZATION AND AFFILIATE HAD NO AMOUNTS RELATED TO UNRECOGNIZED INCOME TAX BENEFITS AND NO AMOUNTS RELATED TO ACCRUED INTEREST AND PENALTIES. THE ORGANIZATION DOES NOT ANTICIPATE ANY SIGNIFICANT CHANGES TO UNRECOGNIZED INCOME TAX BENEFITS OVER THE NEXT YEAR. |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | PART IV, LINE 2B: |
| IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | PART X, LINE 2: |
| IRS990ScheduleD/TotalBookValueLandBuildingsAmt | 0 | 0 |
| IRS990ScheduleD/TotalExpensesPerForm990Amt | 0 | 690780 |
| IRS990ScheduleD/TotalRevenuePerForm990Amt | 0 | 9717402 |
| IRS990ScheduleD/TotalRevEtcAuditedFinclStmtAmt | 0 | 9717402 |
| IRS990ScheduleD/TotExpnsEtcAuditedFinclStmtAmt | 0 | 690780 |
| IRS990ScheduleJ/AnyNonFixedPaymentsInd | 0 | 1 |
| IRS990ScheduleJ/BoardOrCommitteeApprovalInd | 0 | X |
| IRS990ScheduleJ/CompBasedOnRevenueOfFlngOrgInd | 0 | 0 |
| IRS990ScheduleJ/CompBsdNetEarnsFlngOrgInd | 0 | 0 |
| IRS990ScheduleJ/CompBsdNetEarnsRltdOrgsInd | 0 | 0 |
| IRS990ScheduleJ/CompBsdOnRevRelatedOrgsInd | 0 | 0 |
| IRS990ScheduleJ/EquityBasedCompArrngmInd | 0 | 0 |
| IRS990ScheduleJ/InitialContractExceptionInd | 0 | 0 |
| IRS990/ScheduleJRequiredInd | 0 | 1 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BaseCompensationFilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusFilingOrganizationAmount | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/BonusRelatedOrganizationsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 0 | 192167 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompensationBasedOnRltdOrgsAmt | 1 | 134881 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990FilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/CompReportPrior990RltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompensationFlngOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 0 | 42000 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/DeferredCompRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsFilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 0 | 36612 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/NontaxableBenefitsRltdOrgsAmt | 1 | 16848 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationFilingOrgAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 0 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/OtherCompensationRltdOrgsAmt | 1 | 0 |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 0 | MICHAEL GOSMAN |
| IRS990ScheduleJ/RltdOrgOfficerTrstKeyEmplGrp/PersonNm | 1 | DOROTHY YORK |
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Displayed year
2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.
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