Civic Intelligence

Hoc Lending Inc.

990 • Fiscal year 2021 • EIN 82-2154953

Jan 01, 2021 to Dec 31, 2021 • Filed on Jun 17, 2022

Organization ProfileN/A
333 Sherman AveNew Haven, CT 06511

(877) 829-5500

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

69th percentile

0.14x

Higher debt load relative to assets than 69% of similar nonprofits.

2021 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2021

Liabilities / Revenue

74th percentile

0.21x

Higher debt load relative to revenue than 74% of similar nonprofits.

2021 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2021

Net Margin

96th percentile

80%

Higher net margin than 96% of similar nonprofits.

2021 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2021

Top Officer Pay

52nd percentile

$0

Higher top officer pay than 52% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2021 filings • 501(c)3 • $500k-$1M nonprofits • Source year 2021

Asset Growth

94th percentile

161%

Faster asset growth than 94% of similar nonprofits.

2021 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2020 to 2021

Revenue Growth

98th percentile

618%

Faster revenue growth than 98% of similar nonprofits.

2021 filings • 501(c)3 • $500k-$1M nonprofits • Annualized from 2020 to 2021

Balance Sheet
Liabilities / Assets69th percentile

Assets

Up

$890,251

Up $549,168 (+161%) from 2020

Net Assets

Up

$767,172

Up $465,284 (+154%) from 2020

Liabilities

Up

$123,079

Up $83,884 (+214%) from 2020

Revenue And Expenses
Liabilities / Revenue74th percentileNet Margin96th percentile

Revenue

Up

$583,035

Up $501,853 (+618%) from 2020

Expenses

Up

$117,751

Up $79,585 (+209%) from 2020

Net Income

Up

$465,284

Up $422,268 (+982%) from 2020

Historical Trend

Balance Sheet Trend

Asset Growth94th percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$1.0M$500K$0Assets 2017: $259,221Liabilities 2017: $12,082Net Assets 2017: $247,1392017Assets 2018: $262,022Net Assets 2018: $262,0222018Assets 2019: $258,872Net Assets 2019: $258,8722019Assets 2020: $341,083Liabilities 2020: $39,195Net Assets 2020: $301,8882020Assets 2021: $890,251Liabilities 2021: $123,079Net Assets 2021: $767,1722021Assets 2022: $911,743Liabilities 2022: $21,884Net Assets 2022: $889,8592022Assets 2023: $963,303Liabilities 2023: $81,709Net Assets 2023: $881,5942023Assets 2024: $456,369Liabilities 2024: $14,327Net Assets 2024: $442,0422024

Highlighted filing

2021

Assets$890,251
Liabilities$123,079
Net Assets$767,172
Open 2021 Filing

Operations Trend

Revenue Growth98th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$600K$400K$200K$0-$200KRevenue 2017: $1Expenses 2017: $4,862Net Income 2017: -$4,8612017Revenue 2018: $35,310Expenses 2018: $20,426Net Income 2018: $14,8842018Revenue 2019: $22,134Expenses 2019: $25,284Net Income 2019: -$3,1502019Revenue 2020: $81,182Expenses 2020: $38,166Net Income 2020: $43,0162020Revenue 2021: $583,035Expenses 2021: $117,751Net Income 2021: $465,2842021Revenue 2022: $144,586Expenses 2022: $164,341Net Income 2022: -$19,7552022Revenue 2023: $171,497Expenses 2023: $179,762Net Income 2023: -$8,2652023Revenue 2024: $22,320Expenses 2024: $14,443Net Income 2024: $7,8772024

Highlighted filing

2021

Revenue$583,035
Expenses$117,751
Net Income$465,284
Open 2021 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2021 to Dec 31, 2021
Signed
Jun 17, 2022
Return Version
2021v4.0
Gross Receipts
$583,035
Mission and Program Overview

Mission

To provide low cost financing to low income families

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$315,053$554,527▲ $239,474
Pledges and Grants Receivable-$41,000-
Other Notes and Loans Receivable, Net-$31,803-
Prepaid Expenses and Deferred Charges$8,310$6,960▼ $1,350
Total Assets$341,083$890,251▲ $549,168
Other Assets Total$17,720$255,961▲ $238,241
Liabilities
Other Liabilities$39,195$123,079▲ $83,884
Total Liabilities$39,195$123,079▲ $83,884
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$301,888$767,172▲ $465,284
Total Net Assets Fund Balance$301,888$767,172▲ $465,284
Total Liabilities and Net Assets / Fund Balance$341,083$890,251▲ $549,168

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$255,961--
Compensation and Service Providers
Top Officer Pay52nd percentile

Board Members and Trustees

NameTitle
Leslie RadcliffePresident
Doreen AbubakarBoard Member
Jacquelyn PheaniousBoard Member
Monika MittelholzerBoard Member
Nina FawcettBoard Member
Robert FilipponeBoard Member
Velma GeorgeBoard Member
James PaleyExecutive Di
Virginia StevensonSecretary
Sarah McqueenTreasurer
Carol HellerVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$16,000
Program Service Revenue
$22,821
Investment Income
$0
Other Revenue
$544,214
All Other Contributions
$6,000
Change in Net Assets
$465,284
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$92,663
Other Expenses$25,088
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$82,393--$82,393
Insurance$17,969--$17,969
Payroll Taxes$6,343--$6,343
Fees for Services Accounting$4,685--$4,685
Other Employee Benefits$3,927--$3,927
Office Expenses$1,483--$1,483
Other Expenses$951--$951
Total Functional Expenses$117,751$0$0$117,751
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Due to Related Party$113,561
Funds Held in Escrow$9,518
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“The 990 is reviewed by management and made available for review to the board of directors prior to filing.”

Form 990, Page 6, Part VI, Line 12C

“Officers and employees are asked to report conflicts of interest annually and/or as they arise.”

Form 990, Page 6, Part VI, Line 19

“Governing documents made available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Hoc Lending Inc
EIN
82-2154953
Phone
8778295500
Address
333 SHERMAN AVE, NEW HAVEN, CT 06511

Signing Officer

Name
James Paley
Title
Executive Director
Phone
2037776925
Signed
2022-06-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
James Paley
Formed
2017
Legal Domicile
Ct
Voting Board Members
11
Independent Board Members
11
Employees
0

Preparer

Firm
Offerdahl Emerson & Company LLC
Address
166 ROUTE 81 STE 1, KILLINGWORTH, CT 06419-1481
Preparer
Darin L Offerdahl
Phone
8606630110
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine2Txt1NEW HAVEN HOMEOWNERSHIP CENTER INC
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/DisregardedEntityName/BusinessNameLine2Txt2HOC REALTY INC
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN0061021268
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/EIN1061613212
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/ExemptCodeSectionTxt2501C3
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/LegalDomicileStateCd1CT
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt07
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt110
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/PublicCharityStatusTxt210
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt0333 SHERMN AVENUE
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt1333 SHERMN AVENUE
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine1Txt2333 SHERMN AVENUE
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine2Txt0333 SHERMAN AVENUE
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine2Txt1333 SHERMAN AVENUE
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/AddressLine2Txt2333 SHERMAN AVENUE
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm0NEW HAVEN
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm1NEW HAVEN
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/CityNm2NEW HAVEN
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IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd006531
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd106531
IRS990ScheduleR/IdRelatedTaxExemptOrgGrp/USAddress/ZIPCd206531
IRS990ScheduleR/LoansOrGuaranteesFromOthOrgInd0false
IRS990ScheduleR/LoansOrGuaranteesToOtherOrgInd0false
IRS990ScheduleR/PaidEmployeesSharingInd0true
IRS990ScheduleR/PerformOfServicesByOtherOrgInd0false
IRS990ScheduleR/PerformOfServicesForOthOrgInd0false
IRS990ScheduleR/ReceiptOfIntAnntsRntsRyltsInd0false
IRS990ScheduleR/ReimbursementPaidByOtherOrgInd0false
IRS990ScheduleR/ReimbursementPaidToOtherOrgInd0false
IRS990ScheduleR/RentalOfFacilitiesToOthOrgInd0false
IRS990ScheduleR/RentalOfFcltsFromOthOrgInd0false
IRS990ScheduleR/SharingOfFacilitiesInd0false
IRS990ScheduleR/TransactionsRelatedOrgGrp/InvolvedAmt0113561
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine1Txt0NEW HAVEN HOMEOWNERSHIP CENTER INC
IRS990ScheduleR/TransactionsRelatedOrgGrp/OtherOrganizationName/BusinessNameLine2Txt0NEW HAVEN HOMEOWNERSHIP CENTER INC
IRS990ScheduleR/TransactionsRelatedOrgGrp/TransactionTypeTxt0S
IRS990ScheduleR/TransferFromOtherOrgInd0true
IRS990ScheduleR/TransferToOtherOrgInd0false
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0CT
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0341083
IRS990/TotalAssetsEOYAmt0890251
IRS990/TotalAssetsGrp/BOYAmt0341083
IRS990/TotalAssetsGrp/EOYAmt0890251
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt016000
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IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt00
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0117751
IRS990/TotalFunctionalExpensesGrp/TotalAmt0117751
IRS990/TotalGrossUBIAmt00
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IRS990/TotalLiabilitiesEOYAmt0123079
IRS990/TotalLiabilitiesGrp/BOYAmt039195
IRS990/TotalLiabilitiesGrp/EOYAmt0123079
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IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0767172
IRS990/TotalProgramServiceExpensesAmt0117751
IRS990/TotalProgramServiceRevenueAmt022821
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0583035
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IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0890251
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IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt0333 SHERMAN AVENUE
IRS990/USAddress/CityNm0NEW HAVEN
IRS990/USAddress/StateAbbreviationCd0CT
IRS990/USAddress/ZIPCd006511
IRS990/VotingMembersGoverningBodyCnt011
IRS990/VotingMembersIndependentCnt011
IRS990/WhistleblowerPolicyInd0true
ReturnHeader/BuildTS02022-09-23 18:48:47Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JAMES PALEY
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum02037776925
ReturnHeader/BusinessOfficerGrp/SignatureDt02022-06-17
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0HOC LENDING INC
ReturnHeader/Filer/BusinessNameControlTxt0HOCL
ReturnHeader/Filer/EIN0822154953
ReturnHeader/Filer/PhoneNum08778295500
ReturnHeader/Filer/USAddress/AddressLine1Txt0333 SHERMAN AVE
ReturnHeader/Filer/USAddress/CityNm0NEW HAVEN
ReturnHeader/Filer/USAddress/StateAbbreviationCd0CT
ReturnHeader/Filer/USAddress/ZIPCd006511
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0871088082
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0OFFERDAHL EMERSON & COMPANY LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0166 ROUTE 81 STE 1
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0KILLINGWORTH
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0CT
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd0064191481
ReturnHeader/PreparerPersonGrp/PhoneNum08606630110
ReturnHeader/PreparerPersonGrp/PreparationDt02022-06-17
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0DARIN L OFFERDAHL
ReturnHeader/ReturnTs02022-06-23T09:00:23-05:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonFirstNm0JAMES
ReturnHeader/SigningOfficerGrp/PersonFullName/PersonLastNm0PALEY
ReturnHeader/TaxPeriodBeginDt02021-01-01

Document Assets

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Filings

Displayed year

2021 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$890,251
Liabilities
$123,079
Net assets
$767,172
Revenue
$583,035
Expenses
$117,751
Net income
$465,284
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$4.56$0.14$4.42$0.22$0.14$0.08
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$9.63$0.82$8.82$1.71$1.80$0.08
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.12$0.22$8.90$1.45$1.64$0.20
2021Detailed filing. Detailed filing data is available for this year.$8.90$1.23$7.67$5.83$1.18$4.65
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.41$0.39$3.02$0.81$0.38$0.43
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.59$2.59$0.22$0.25$0.03
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.62$2.62$0.35$0.20$0.15
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.59$0.12$2.47$0.00$0.05$0.05
Peer Organizations

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