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Center for Responsible Lending at a glanceMostly funded, not a grantmaker: see who funds it →

· Public charity

Center for Responsible Lending

Promoting financial fairness and economic opportunity for all, ending abusive lending practices.

$158k
Granted FY2024still arriving
11
Grants FY2024still arriving
10
States reached
$50k
Largest
01What it fundsRead
02The needRead
03Its granteesRead
04Its fieldRead
01What it funds
01100% classified

What it funded, over time

Every grant placed by its stated purpose and the recipient’s mission, by year, FY2017 to 2024.

Community Improvement$376kPublic Benefit$285kHuman Services$256kCrime & Legal$156kPhilanthropy$97kReligion$93kSocial Science$89kHousing & Shelter$67kOther$0
02FY2024 · 11 grants

Where the money goes

Grants by size, and the largest recipients.

How this is measured
The 11 grants below total $145,000, the rows itemized in this filing. The $158,166 headline is the total grant expense on the return; the other $13,166 is giving the schedule does not break out (grants under the $5,000 itemization floor, grants to individuals, grants on other schedules). Every figure below describes the itemized rows only.

By grant size · FY2024

  • Under $10k2 grants · $13k
  • $10k–50k8 grants · $82k
  • $50k–250k1 grant · $50k
$10,000
Median grant
10
States reached
$11M
Total assets
Largest grants
RecipientAmount
SaverLife$50,000
Center for Public Justice$12,000
National Association of Real Estate$10,000
CommEconomic Develop Asso Michigan$10,000
Center for Economic Integrity$10,000
Alaska Public Interest Research Gro$10,000
New Jersey Citizen Action Education$10,000
CASH Campaign of Maryland$10,000
Economic Progress Institute$10,000
Maine Equal Justice Partners Inc$7,500
Georgia Watch$5,500
02The need
03

Does the money reach high-need areas?

Each grant placed by the hardship in its grantee’s ZIP, against the area’s typical level.

show:

Its human-services grants (FY17–24, $79k) land where the poverty rate runs at 11%, against an area that typically sits at 11%. 34% of those dollars go to grantees based in above-average-need neighborhoods. Its grants skew toward lower-need ZIPs.

area typical 11%Exodus Financial Services dba Exodu: $17k → 14%National Council of the US conference: $10k → 11%IDA and Asset Building Colaborative: $32k → 8%Ida And Asset Building Collaborativ: $10k → 8%CASH Campaign of Maryland: $10k → 19%0%20%40%50%more need →
grant to an above-average-need area below average· circle size = grant amount
How this is measured
Matched: human-services grants are those whose grantee’s IRS cause code is Human Services. Placed by people below the poverty line in the grantee’s ZIP, averaged from the tracts in that ZIP.

Which US states its grants reach

AK
ME
WA
MN
IL
WI
MI
NY
OR
SD
IN
OH
NJ
RI
CA
NE
MO
KY
VA
MD
AZ
AR
NC
SC
DC
LA
MS
GA
TX
FL
How this is measured
US grants placed by each grantee’s ZIP, which can differ from where services are delivered. Need from public data (U.S. Census/ACS, CDC PLACES, Eviction Lab, USDA), shown as context about the area, never attributed to the funder’s giving.
03Its grantees
repeat funding

Who it funds again

Organizations funded in more than one year, against those funded once.

84%of every dollar goes to organizations it has funded before.
$1.3M · 30 repeat orgs$248k to everyone else

Grantees it renews have grown median revenue +89% since the first grant, against +30% for those funded once.

30 repeat relationships: 9 still active in FY2024, 21 since wound down; 2 grantees were first funded in FY2024 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

30
24

Total granted

$1.3M
$228k

Median revenue growth · since first grant

+89%
+30%

Still filing today

83%
83%

New vs renewed · share of each year

In FY2024, 86% of grant dollars renewed an existing relationship; $20k went to new ones.

50%100%’17’18’19’20’21’22’23’24
RenewedFirst-time

Where new relationships form · theme of each grantee’s first grant

’17’18’19’20’21’22’23’24
Community ImprovementPublic BenefitHuman ServicesCrime & LegalPhilanthropySocial ScienceOther
How this is measured
First-time means a grantee’s first year in the filing window; renewed means funded in an earlier year too. The renewed share climbs naturally as a portfolio matures, so the signal is a year that bucks it (a wave of new grantees). The earliest year is left-censored: relationships that predate the data read as new. Theme is the grantee’s IRS cause.

Backed again, and grew

  • CE
    COMMUNITY ECONOMIC DEVELOPMENT ASSOCIATION OF MICHIGAN
    6× · 2018–2024 · $106k · revenue +611%
  • EI
    EARN INC
    2× · 2023–2024 · $75k · revenue +235%
  • MC
    MAINE CENTER FOR ECONOMIC POLICY
    4× · 2018–2022 · $75k · revenue +70%

Funded once

  • EF
    EXODUS FINANCIAL SERVICESgraduated
    one grant, 2023 · $17k · revenue +106%
  • HE
    HOPE ENTERPRISE CORPORATION
    one grant, 2020 · $15k · revenue +6%
  • VE
    Veterians Education Success
    one grant, 2021 · $15k
How this is measured

Repeat means funded in two or more distinct years. Growth and survival are read from each grantee’s own subsequent IRS filings.

04Its field

Closest unfunded matches

The nonprofits that most resemble its grantees but are not funded by it, scored along the direction from the rest of the field toward the portfolio. A resemblance in what they say they do, not a recommendation.

1
National Employment Law Project

To build a just and inclusive economy where all workers have expansive rights and thrive in good jobs.

—
2
Southern Coalition for Social Justice

Southern coalition for social justice partners with communities of color and economically disadvantaged communities across the south to defend and advance their political, social, and economic rights. through an intersectional and…

Crime & Legal
3
National Association for College Admission Counseling

Empowering college admission counseling professionals through education, advocacy, and community.

Education
4
Colorado Center On Law and Policy

Colorado center on law and policy is an antipoverty organization advancing the rights of every coloradan.

Crime & Legal
5
Legal Aid Justice Center

The legal aid justice center partners with communities and clients to achieve justice by dismantling systems that create and perpetuate poverty.

Crime & Legal
6
Council for Court Excellence

Council for court excellence's (cce's) mission is to bring people together to conduct research, educate, and advocate to make d.c.'s unique legal systems more just, equitable, and accountable to the community.

—
7
Coop Careers Inc

Building a movement of diverse, upwardly mobile college grads overcoming underemployment through digital skills and peer connections.

Education
8
Liberty Justice Center

To advance economic and social liberties and a free enterprise society through strategic litigation, training, communication, activism and research. in addition, the center will train law students, lawyers and policy activists in the…

Crime & Legal
9
American Civil Liberties Union Foundation of Iowa

The foundation works to defend and promote the constitution of the united states, focusing especially on the first, fourth, fifth, sixth, eighth, and 14th amendments. the foundation also works to defend and promote the constitution of the…

Civil Rights
10
Jobs with Justice San Francisco

A long-term, strategic alliance of labor, community, faith-based, and student organizations working together to build greater economic power for workers and community members through employee rights at work and access to good jobs,…

Employment
11
Northwest Consumer Law Center

The northwest consumer law center zealously advocates, litigates, and promotes access to justice for low and moderate income clients, and through its education programs, empowers consumers with the knowledge and resources to protect their…

Crime & Legal
12
National Association of Regulatory Utility Commissioners

Founded in 1889, the national association of regulatory utility commisioners (naruc) is a non-profit organization dedicated to representing the state public service commisions who regulate the utilities that provide essential services such…

—
How this is measured
The grantee most central to the portfolio’s shape is Nebraska Appleseed Center for Law in the Public Interest; the most unlike its peers is Alaska Public Interest Research Group. Resemblance is measured on each organization’s own IRS 990 mission text; it reflects how work is described, not its quality or impact.
04the grantee network

47 grantees tracked through their own filings, 2017–2025.

Each grant beside the grantee’s revenue from every source, year by year.

How this is measured

Counted here: distinct organizations funded across 2017 to 2025, not grant rows in a single year, so this will not match the grant count on the cover. 47 of the 56 grantees resolved in that span have returns of their own we could reconcile.

Each grantee is resolved to its own IRS returns. Association, dated; never a causal claim.

0
Load-bearing (≥25% of a budget)
23
Early backer (in before they grew)
47/47
Grantees still filing
36/47
Grew since first funded

Where the money sits, by cause and then by grantee

COOPERATIVE BAPTIST FELLOWSHIP INC: $92,720 · OtherCOOPERATIVE BAPTIST FELLOWSHIP INCNational Baptist Convention USA In: $70,000 · OtherNational Baptist Convention USA InHACIENDA COMMUNITY DEVELOPMENT CORPORATION: $67,376 · OtherHACIENDA COMMUNITY DEVELOPMENT CORPORATIONCENTER FOR PUBLIC JUSTICE: $42,000 · OtherCENTER FOR PUBLIC JUSTICEINDIANA COMMUNITY ACTION ASSOCIATION INC: $31,500 · OtherINDIANA COMMUNITY ACTION ASSOCIATION INCRise Economy: $25,000 · OtherStatewide Poverty Action Network: $20,000 · OtherEcumenical Poverty Initative: $20,000 · OtherTHE LEADERSHIP CONFERENCE ON CIVIL AND HUMAN RIGHTS INC: $19,700 · OtherSOUTHWEST CENTER FOR ECONOMIC INTEGRITY: $55,000 · OtherSOUTHWEST CENTER FOR ECONOMIC INTEGRITYSOUTH CAROLINA APPLESEED LEGAL JUSTICE CENTER: $30,000 · Other+13 more: $115,510 · Other+13 moreNEW JERSEY CITIZEN ACTION EDUCATION FUND INC: $72,000 · Public BenefitNEW JERSEY CITIZEN ACTI…GEORGIA WATCH: $63,254 · Public BenefitGEORGIA WATCHTHE ECONOMIC PROGRESS INSTITUTE: $50,000 · Public BenefitTHE ECONOMIC PROGRESS I…MARYLAND CONSUMER RIGHTS COALITION INC: $45,000 · Public BenefitMARYLAND CONSUMER RIGHT…VETERANS EDUCATION SUCCESS INC: $40,000 · Public BenefitVETERANS EDUCATION SUCC…INVEST IN LOUISIANA: $27,500 · Public BenefitINVEST IN LOUISIANAAlaska Public Interest Research Group: $20,000 · Public BenefitAlaska Public Interest …+1 more: $7,500 · Public BenefitCOMMUNITY ECONOMIC DEVELOPMENT ASSOCIATION OF MICHIGAN: $106,000 · Community ImprovementCOMMUNITY ECONOMIC D…National Coalition for Asian Pacific American Community Development: $60,000 · Community ImprovementNational Coalition f…NEW ECONOMY PROJECT INC: $30,000 · Community ImprovementNEW ECONOMY PROJECT …Texas Appleseed: $29,000 · Community ImprovementTexas AppleseedHOPE ENTERPRISE CORPORATION: $15,000 · Community ImprovementHOPE ENTERPRISE CORP…BLACK HILLS COMMUNITY LOAN FUND INC: $13,000 · Community ImprovementSouth Carolina Association for Community Economic Development: $10,000 · Community ImprovementNATIONAL ASSOCIATION OF REAL ESTATE BROKERS INC: $10,000 · Community Improvement+1 more: $7,000 · Community ImprovementTHE IDA AND ASSET BUILDING COLLABORATIVE OF NORTH CAROLINA: $42,000 · Human ServicesPROJECT GREEN: $26,400 · Human ServicesEXODUS FINANCIAL SERVICES: $17,000 · Human ServicesNATIONAL COUNCIL OF THE US SOCIETY OF ST VINCENT DE PAUL INC: $10,000 · Human ServicesCASH CAMPAIGN OF MARYLAND INC: $10,000 · Human ServicesEARN INC: $75,000 · PhilanthropyNEIGHBORHOOD PARTNERSHIPS INC: $12,000 · PhilanthropyWISDOM INC: $10,000 · PhilanthropyMAINE CENTER FOR ECONOMIC POLICY: $74,850 · Social SciencePOLICY MATTERS OHIO: $14,500 · Social ScienceVIRGINIA POVERTY LAW CENTER INC: $25,000 · Crime & LegalMaine Equal Justice Partners: $17,500 · Crime & LegalMichigan Advocacy Program: $10,000 · Crime & LegalOFFICE OF KENTUCKY LEGAL SERVICES PROGRAMS INC: $7,500 · Crime & LegalNEBRASKA APPLESEED CENTER FOR LAW IN THE PUBLIC INTEREST: $5,003 · Crime & Legal
Other$588,806Public Benefit$325,254Community Improvement$280,000Human Services$105,400Philanthropy$97,000Social Science$89,350Crime & Legal$65,003

Each grantee by its size and the funder’s share of it; top left is load-bearing

25%50%75%100%$1.0M$10M$100Mgrantee revenue →↑ funder's share of their budgetCOMMUNITY ECONOMIC DEVELOPMENT ASSOCIATION OF MICHIGAN: $106,000 over 6y, 2.6% of budgetEARN INC: $75,000 over 2y, 0.9% of budgetMAINE CENTER FOR ECONOMIC POLICY: $74,850 over 4y, 3.5% of budgetNEW JERSEY CITIZEN ACTION EDUCATION FUND INC: $72,000 over 5y, 0.5% of budgetHACIENDA COMMUNITY DEVELOPMENT CORPORATION: $67,376 over 3y, 0.9% of budgetGEORGIA WATCH: $63,254 over 4y, 8.0% of budgetNational Coalition for Asian Pacific American Community Development: $60,000 over 5y, 0.5% of budgetSOUTHWEST CENTER FOR ECONOMIC INTEGRITY: $55,000 over 4y, 22% of budgetTHE ECONOMIC PROGRESS INSTITUTE: $50,000 over 3y, 3.1% of budgetMARYLAND CONSUMER RIGHTS COALITION INC: $45,000 over 4y, 1.5% of budgetTHE IDA AND ASSET BUILDING COLLABORATIVE OF NORTH CAROLINA: $42,000 over 2y, 12% of budgetCENTER FOR PUBLIC JUSTICE: $42,000 over 4y, 1.2% of budgetVETERANS EDUCATION SUCCESS INC: $40,000 over 3y, 1.1% of budgetINDIANA COMMUNITY ACTION ASSOCIATION INC: $31,500 over 3y, 0.3% of budgetNEW ECONOMY PROJECT INC: $30,000 over 2y, 1.1% of budgetSOUTH CAROLINA APPLESEED LEGAL JUSTICE CENTER: $30,000 over 3y, 0.9% of budgetTexas Appleseed: $29,000 over 3y, 0.6% of budgetINVEST IN LOUISIANA: $27,500 over 3y, 1.4% of budgetPROJECT GREEN: $26,400 over 3y, 3.9% of budgetRise Economy: $25,000 over 3y, 0.7% of budgetVIRGINIA POVERTY LAW CENTER INC: $25,000 over 2y, 0.5% of budgetAlaska Public Interest Research Group: $20,000 over 2y, 0.9% of budgetTHE LEADERSHIP CONFERENCE ON CIVIL AND HUMAN RIGHTS INC: $19,700 over 3y, 0.3% of budgetMaine Equal Justice Partners: $17,500 over 2y, 0.4% of budgetEXODUS FINANCIAL SERVICES: $17,000 over 1y, 4.0% of budgetHOPE ENTERPRISE CORPORATION: $15,000 over 1y, 0.0% of budgetPOLICY MATTERS OHIO: $14,500 over 2y, 0.7% of budgetBLACK HILLS COMMUNITY LOAN FUND INC: $13,000 over 1y, 4.5% of budgetNEIGHBORHOOD PARTNERSHIPS INC: $12,000 over 1y, 0.1% of budgetDNA PEOPLES LEGAL SERVICES INC: $11,100 over 1y, 0.2% of budgetSouth Carolina Association for Community Economic Development: $10,000 over 1y, 0.2% of budgetNATIONAL COUNCIL OF THE US SOCIETY OF ST VINCENT DE PAUL INC: $10,000 over 1y, 0.1% of budgetUnited Parents and Students: $10,000 over 1y, 0.5% of budgetWISDOM INC: $10,000 over 1y, 0.8% of budgetCASH CAMPAIGN OF MARYLAND INC: $10,000 over 1y, 0.1% of budgetNATIONAL ASSOCIATION OF REAL ESTATE BROKERS INC: $10,000 over 1y, 0.2% of budgetMichigan Advocacy Program: $10,000 over 1y, 0.1% of budgetNORTH CAROLINA LEGISLATIVE BLACK CAUCUS FOUNDATION: $7,500 over 1y, 3.9% of budgetLEGAL AID SOCIETY OF SAN DIEGO: $7,500 over 1y, 0.0% of budgetOFFICE OF KENTUCKY LEGAL SERVICES PROGRAMS INC: $7,500 over 1y, 0.7% of budgetWoodstock Institute: $7,500 over 1y, 1.1% of budgetINCLUSIV INC: $7,500 over 1y, 0.2% of budgetHeartland Alliance for Human Needs and Rights: $7,500 over 1y, 0.0% of budgetSOUTHERN BANCORP CAPITAL PARTNERS: $7,000 over 1y, 0.2% of budgetFAITH IN ACTION NETWORK: $7,000 over 1y, 0.0% of budgetNEBRASKA APPLESEED CENTER FOR LAW IN THE PUBLIC INTEREST: $5,003 over 1y, 0.1% of budget
Grantee by grantee: a decade per organization, before and after funding

A decade per grantee: revenue shaded, grants as bars, all rows on one timeline.

Co-funders

Grantmakers whose grantees overlap with this funder’s far more than size alone predicts. Closer means stronger alignment; arcs show where they also fund each other. Here they form a tightly interlocked group: most of these funders back each other's grantees too.

Annie E Casey Foundat…Community Catalyst IncAmericans for Financi…Center on Budget and …Hopewell FundNew Venture FundThe Ford FoundationAmalgamated Charitabl…WK Kellogg FoundationTides FoundationEconomic Security Pro…Center for Law and So…
Annie E Casey Foundation IncMD27.7× affinity13 shared granteesties to 11 of 11Hover any node to trace its alignments.Compare side by side →

Open a dossier: Annie E Casey Foundation Inc · Community Catalyst Inc · Americans for Financial Reform Education Fund · Center on Budget and Policy Priorities · Hopewell Fund · New Venture Fund · The Ford Foundation · Amalgamated Charitable Foundation Inc · WK Kellogg Foundation · Tides Foundation · Economic Security Project Inc · Center for Law and Social Policy

How this is measured
Affinity is a Gamma-Poisson posterior co-funding rate, re-centered on the typical rate, so thin evidence shrinks toward no signal. Overlap is association, not proof of shared intent.

How much its grantees rely on government

Each dot is one organization Center for Responsible Lending funds: left to right is the share of its income from government, bottom to top the share from Center for Responsible Lending. Bigger dots raise more.

2024
’20’21’22’23’24’25
no gov · 10%2%6%14%25%funder's share of their income ↑0%25%50%75%100%share of the org’s income from government →median 40%
  • Hacienda Community Development Corporation: 48% of income from government
  • Neighborhood Partnerships Inc: 40% of income from government
  • Cash Campaign of Maryland Inc: 11% of income from government
  • New Jersey Citizen Action Education Fund Inc: 9% of income from government
no gov moneyreceives it· size = income
1get no government money at all
10report government grants on their 990 we could not trace to a source (not plotted)
0rely on government for over half their income
typical government reliance, FY20–25
How this is measured
Government income is each org’s traced federal awards (USASpending grants and contracts) plus state payments (open checkbooks) as a share of its total revenue (IRS Form 990); the self-reported government-grant line (990 line 1e) is carried for cross-check: a grantee that reports government grants we could not trace to a source is left off the chart rather than shown as receiving none. An association, not a claim that a grant caused the public funding. Coverage is precision-first, a floor rather than a census; state records exist for 9 states, so a grantee outside them shows no state figure (dimmed) rather than a false zero. Federal award amounts are obligations, which can span years, so a single-year share is indicative. 990 filings lag 12 to 24 months.

On method. Every financial figure here is read from IRS e-file XML, the funder’s own 990/990-PF, and from the multi-year returns of the 56 grantees we resolved, each linked to its source. Grantee outcomes are each organization’s own program-service reporting (Form 990, Part III), read as association with funding, never as caused by it. Low-confidence name matches are suppressed rather than guessed. How we build these →

How this is measured
Each figure carries one of six labels. Filed is what the funder reported on its return. Official is another government record about an organization, such as a federal award or a charity register, joined by name where no shared identifier exists. Resolved is an identity we worked out where the filing named a recipient without an EIN, kept only above a measured confidence threshold. Computed is arithmetic over those, like themes, portfolio clusters and co-funder strength. Context is a statistic about a place rather than about an organization, which is what the need overlay is: it describes the area a grantee’s address sits in, not where its work lands. Inferred is drawn by a model from text, like the partnerships read out of public news and organization websites. Each is labeled where it appears.

Generated from the IRS Form 990 e-file return for fiscal year 2024, released 2024. Filings run roughly 12 to 24 months behind; figures are dated accordingly.

Source object · view filing

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More from the funding graph

The unnamed billions
grants reported with no recipient in the public record
The regranting layer
51% of grant dollars land in the regranting layer
The DAF merry-go-round
$9.7B circulates between donor-advised funds
The endowment market
who holds foundation money, and what just moved
The camps
funders cluster by geography, not ideology
By state
where grant money is based, and what stays home