Civic Intelligence

Tidewater Mortgage Bankers Assoc

EIN 54-1607447 • 501(c)6 • Chesapeake, VA

Profile

The organization offers members an opportunity to participate in meetings relating to current issues facing the mortgage banking profession.

1403 Greenbrier Parkway Suite 150Chesapeake, VA 23320

www.tmba.org

Siviq Scores

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

Liabilities / Assets

76th percentile

0.12x

Higher debt load relative to assets than 76% of similar nonprofits.

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

Liabilities / Revenue

88th percentile

0.29x

Higher debt load relative to revenue than 88% of similar nonprofits.

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

Net Margin

54th percentile

2.8%

Higher net margin than 54% 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

42nd percentile

-6.2%

Faster asset growth than 42% of similar nonprofits.

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

Revenue Growth

71st percentile

13%

Faster revenue growth than 71% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets76th percentile

Assets

Up

$199,851

Up $8,937 (+4.7%) from 2022

Liabilities

Down

$23,521

Down $2,966 (-11%) from 2022

Net Assets

Up

$176,330

Up $11,903 (+7.2%) from 2022

Operations
Liabilities / Revenue88th percentileNet Margin54th percentile

Revenue

Up

$80,025

Up $2,029 (+2.6%) from 2022

Expenses

Up

$77,793

Up $1,898 (+2.5%) from 2022

Net Income

Up

$2,232

Up $131 (+6.2%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth42nd percentile

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

$300K$200K$100K$0Assets 2010: $141,571Liabilities 2010: $9,594Net Assets 2010: $131,9772010Assets 2012: $157,576Liabilities 2012: $9,519Net Assets 2012: $148,0572012Assets 2013: $180,431Liabilities 2013: $10,201Net Assets 2013: $170,2302013Assets 2014: $178,497Liabilities 2014: $9,551Net Assets 2014: $168,9462014Assets 2015: $168,594Liabilities 2015: $6,084Net Assets 2015: $162,5102015Assets 2016: $179,124Liabilities 2016: $12,026Net Assets 2016: $167,0982016Assets 2019: $177,957Liabilities 2019: $5,160Net Assets 2019: $172,7972019Assets 2020: $182,658Liabilities 2020: $18,015Net Assets 2020: $164,6432020Assets 2021: $214,127Liabilities 2021: $20,770Net Assets 2021: $193,3572021Assets 2022: $190,914Liabilities 2022: $26,487Net Assets 2022: $164,4272022Assets 2024: $199,851Liabilities 2024: $23,521Net Assets 2024: $176,3302024

Highlighted filing

2024

Assets$199,851
Liabilities$23,521
Net Assets$176,330
Open 2024 Filing

Operations Trend

Revenue Growth71st percentile

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

$100K$50K$0-$50KRevenue 2010: $64,637Expenses 2010: $60,790Net Income 2010: $3,8472010Revenue 2012: $66,613Expenses 2012: $63,555Net Income 2012: $3,0582012Revenue 2013: $65,396Expenses 2013: $66,862Net Income 2013: -$1,4662013Revenue 2014: $69,490Expenses 2014: $67,672Net Income 2014: $1,8182014Revenue 2015: $74,256Expenses 2015: $71,495Net Income 2015: $2,7612015Revenue 2016: $62,376Expenses 2016: $70,480Net Income 2016: -$8,1042016Revenue 2019: $79,604Expenses 2019: $81,182Net Income 2019: -$1,5782019Revenue 2020: $52,363Expenses 2020: $57,848Net Income 2020: -$5,4852020Revenue 2021: $64,531Expenses 2021: $61,794Net Income 2021: $2,7372021Revenue 2022: $77,996Expenses 2022: $75,895Net Income 2022: $2,1012022Revenue 2024: $80,025Expenses 2024: $77,793Net Income 2024: $2,2322024

Highlighted filing

2024

Revenue$80,025
Expenses$77,793
Net Income$2,232
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$199,851
Liabilities
$23,521
Net assets
$176,330
Revenue
$80,025
Expenses
$77,793
Net income
$2,232
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$2.00$0.24$1.76$0.80$0.78$0.02
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.91$0.26$1.64$0.78$0.76$0.02
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.14$0.21$1.93$0.65$0.62$0.03
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.83$0.18$1.65$0.52$0.58$0.05
2019Detailed filing. Detailed filing data is available for this year.$1.78$0.05$1.73$0.80$0.81$0.02
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.79$0.12$1.67$0.62$0.70$0.08
2015Detailed filing. Detailed filing data is available for this year.$1.69$0.06$1.63$0.74$0.71$0.03
2014Detailed filing. Detailed filing data is available for this year.$1.78$0.10$1.69$0.69$0.68$0.02
2013Detailed filing. Detailed filing data is available for this year.$1.80$0.10$1.70$0.65$0.67$0.01
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.58$0.10$1.48$0.67$0.64$0.03
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.42$0.10$1.32$0.65$0.61$0.04
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jul 16, 2025
Return Version
2024v5.0
Gross Receipts
$95,694
Mission and Program Overview

Mission

The organization offers members an opportunity to participate in meetings relating to current issues facing the mortgage banking profession.

Program Services

DescriptionGrantsExpenses
THE ORGANIZATION OFFERS MEMBERS AN OPPORTUNITY TO PARTICIPATE IN MEETINGS RELATING TO CURRENT ISSUES FACING THE MORTGAGE BANKING PROFESSION.--
Compensation and Service Providers
Top Officer Pay77th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
PATRICK STEELEPresident-$0--
HOLLY CROSSPresident El-$0--
COLBY RAYMONDSecretary-$0--
BRANDON RAMSEYTreasurer-$0--
ADAM NEWMANDirector-$0--
KYLIE RAFFIDirector-$0--
RAY GUNTERDirector-$0--
SARAH STEDFASTDirector-$0--
STEPHEN CHILTONDirector-$0--
STEVE SAGERDirector-$0--
Filing and Contact Details

Filer

Filer Name
Tidewater Mortgage Bankers Assoc
EIN
54-1607447
Phone
7574732160
Address
1403 GREENBRIER PARKWAY SUITE 150, CHESAPEAKE, VA 23320

Signing Officer

Name
Brandon Ramsey
Title
Treasurer
Phone
7576093660
Signed
2025-07-16
Discuss with paid preparer
Yes

Preparer

Firm
Jones Madden & Council Plc
Address
5029 CORPORATE WOODS DR STE 190, VIRGINIA BEACH, VA 23462-4376
Preparer
Edward S Jones
Phone
7574611040
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 16

“Expenses awards/recognition 495 credit card fees 2,854 donations 6,348 endowment expenses 5,100 entertainment 500 faxing charges 305 gift 430 insurance 719 management 32,556 miscellaneous 425 postage & delivery 3 printing and copies 155 prizes 1,547 refreshments 17,323 signage 143 site rental 4,800 taxes, licenses and fees 150 telephone 300 website domain renewal 2,540 total 76,693”

Form 990-ez, Part I, Line 20

“Unrealized gain on investment 4,328”

Form 990-ez, Part II, Line 24

“Accounts receivable 36,910 12,415 prepaid expenses and deferred charges 536 2,589 total 37,446 15,004”

Form 990-ez, Part II, Line 26

“Unearned revenue 39,400 22,075 accts payable & accrued expenses 3,924 1,446”

Form 990-ez, Part III

“The organization offers members an opportunity to participate in meetings relating to current issues facing the mortgage banking profession.”

Raw XML Appendix137 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/BusinessName/BusinessNameLine1Txt0ORGANIZATION MGMT GROUP
IRS990EZ/BooksInCareOfDetail/PhoneNum07574738701
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt01403 GREENBRIER PARKWAY SUITE 150
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0CHESAPEAKE
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0VA
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd023320
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt0175648
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt0184847
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/CostOrOtherBasisExpenseSaleAmt015669
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/ExcessOrDeficitForYearAmt02232
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt01100
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt0213094
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0199851
IRS990EZ/GainOrLossFromSaleOfAssetsAmt01631
IRS990EZ/GrossReceiptsAmt095694
IRS990EZ/InfoInScheduleOPartIIIInd0X
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InvestmentIncomeAmt012815
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt010600
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0169770
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0176330
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0169770
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0176330
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt01.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt11.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt21.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt31.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt41.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt51.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt61.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt71.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt81.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt91.00
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/PersonNm0PATRICK STEELE
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1HOLLY CROSS
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2COLBY RAYMOND
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3BRANDON RAMSEY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm4ADAM NEWMAN
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm5KYLIE RAFFI
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm6RAY GUNTER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm7SARAH STEDFAST
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm8STEPHEN CHILTON
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm9STEVE SAGER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0PRESIDENT
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1PRESIDENT EL
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2SECRETARY
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3TREASURER
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt5DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt7DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt8DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt9DIRECTOR
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501cInd0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt037446
IRS990EZ/OtherAssetsTotalDetail/EOYAmt015004
IRS990EZ/OtherChangesInNetAssetsAmt04328
IRS990EZ/OtherExpensesTotalAmt076693
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0THE ORGANIZATION OFFERS MEMBERS AN OPPORTUNITY TO PARTICIPATE IN MEETINGS RELATING TO CURRENT ISSUES FACING THE MORTGAGE BANKING PROFESSION.
IRS990EZ/ProgramServiceRevenueAmt054979
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0THE ORGANIZATION OFFERS MEMBERS AN OPPORTUNITY TO PARTICIPATE IN MEETINGS RELATING TO CURRENT ISSUES FACING THE MORTGAGE BANKING PROFESSION.
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SaleOfAssetsGrossAmt017300
IRS990EZ/ScheduleBNotRequiredInd0X
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt043324
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt023521
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt077793
IRS990EZ/TotalRevenueAmt080025
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TypeOfOrganizationAssocInd0X
IRS990EZ/WebsiteAddressTxt0WWW.TMBA.ORG
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0EXPENSES AWARDS/RECOGNITION 495 CREDIT CARD FEES 2,854 DONATIONS 6,348 ENDOWMENT EXPENSES 5,100 ENTERTAINMENT 500 FAXING CHARGES 305 GIFT 430 INSURANCE 719 MANAGEMENT 32,556 MISCELLANEOUS 425 POSTAGE & DELIVERY 3 PRINTING AND COPIES 155 PRIZES 1,547 REFRESHMENTS 17,323 SIGNAGE 143 SITE RENTAL 4,800 TAXES, LICENSES AND FEES 150 TELEPHONE 300 WEBSITE DOMAIN RENEWAL 2,540 TOTAL 76,693
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1UNREALIZED GAIN ON INVESTMENT 4,328
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ACCOUNTS RECEIVABLE 36,910 12,415 PREPAID EXPENSES AND DEFERRED CHARGES 536 2,589 TOTAL 37,446 15,004
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3UNEARNED REVENUE 39,400 22,075 ACCTS PAYABLE & ACCRUED EXPENSES 3,924 1,446
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE ORGANIZATION OFFERS MEMBERS AN OPPORTUNITY TO PARTICIPATE IN MEETINGS RELATING TO CURRENT ISSUES FACING THE MORTGAGE BANKING PROFESSION.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 20
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART II, LINE 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990-EZ, PART II, LINE 26
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990-EZ, PART III
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0BRANDON RAMSEY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0TREASURER
ReturnHeader/BusinessOfficerGrp/PhoneNum07576093660
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-07-16
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0TIDEWATER MORTGAGE BANKERS ASSOC
ReturnHeader/Filer/BusinessNameControlTxt0TIDE
ReturnHeader/Filer/EIN0541607447
ReturnHeader/Filer/PhoneNum07574732160
ReturnHeader/Filer/USAddress/AddressLine1Txt01403 GREENBRIER PARKWAY SUITE 150
ReturnHeader/Filer/USAddress/CityNm0CHESAPEAKE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0VA
ReturnHeader/Filer/USAddress/ZIPCd023320
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0541852855
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0JONES MADDEN & COUNCIL PLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt05029 CORPORATE WOODS DR STE 190
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0VIRGINIA BEACH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0VA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0234624376
ReturnHeader/PreparerPersonGrp/PhoneNum07574611040
ReturnHeader/PreparerPersonGrp/PreparationDt02025-07-16
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0EDWARD S JONES
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-10-10T11:47:30-04:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Peer Organizations

Similar nonprofits based on the same Siviq industry and scale cohort. 501(c)6 • <$500k nonprofits