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Homeownership Education Resource Organization

Provide homeownership education professionals with standards of learning objectives to advance homeownership through high quality, consistent education, giving south dakotans a better opportunity to achieve and maintain homeownership.

$466k
Granted FY2025still arriving
12
Grants FY2025still arriving
1
States reached
$109k
Largest
01What you fund
0163% classified

What you funded, over time

Every grant clustered by its grantee’s IRS cause code (NTEE), by year — across FY20212025.

Housing & Shelter$592kHuman Services$307kCommunity Improvement$125kOther$608k
02FY2025 · 12 grants

Where the money goes

Your grants by size, and where they go.

By grant size · FY2025

  • Under $10k3 grants · $20k
  • $10k–50k6 grants · $143k
  • $50k–250k3 grants · $303k
$25,950
Median grant
1
States reached
$0
Total assets
Largest grants
RecipientAmount
CONSUMER CREDIT COUNSELING SERVICES$109,090
CONSUMER CREDIT COUNSELING SERVICES$106,170
SIOUX EMPIRE HOUSING PARTNERSHIP$87,830
LAKOTA FUNDS$35,625
OGLALA SIOUX TRIBE$30,080
HOMES ARE POSSIBLE INC$25,950
TATANKA FUNDS$22,825
MAZASKA OWECASO OTIPI FINANCIAL$16,700
CHEYENNE RIVER HOUSING AUTHORITY$11,760
BLACK HILLS COMMUNITY LOAN FUND$7,200
OTHER$6,900
RUSHMORE CONSUMER CREDIT RES CTR$5,745
02The need
03

Do your dollars go where the need is?

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

show:

Your human-services grants (FY21–25, $307k) land where the poverty rate runs at 14%, against an area that typically sits at 9%. 100% of those dollars go to grantees based in above-average-need neighborhoods. Most of your grants land in higher-need ZIPs.

area typical 9%CONSUMER CREDIT COUNSELING SERVICES: $109k → 14%CONSUMER CREDIT COUNSELING SERVICES: $65k → 14%CONSUMER CREDIT COUNSELING SERVICES: $61k → 14%CONSUMER CREDIT COUNSELING SERVICES: $49k → 14%CONSUMER CREDIT COUNSELING SERVICES: $17k → 14%RUSHMORE CONSUMER CREDIT RES CTR: $6k → 14%0%20%40%50%more need →
grant to an above-average-need area below average· circle size = grant amount

Matched: human-services grants are those whose grantee’s IRS cause code is Human Services. Placed by people below the poverty linein the grantee’s ZIP, averaged from the tracts in that ZIP; grantee ZIP can differ from where services are delivered.

US grants placed by each grantee’s ZIP, which can differ from where services are actually delivered. Need from public data — U.S. Census/ACS, CDC PLACES, Eviction Lab, USDA — shown as context about the area, never attributed to your giving.

03Your edge
repeat funding

Who you back again

Which organizations you funded more than once, and which you funded a single time. Each grantee is matched to its own filings.

97%of every dollar goes to organizations you’ve funded before.
$1.6M · 9 repeat orgs$43k to everyone else

And the relationships you keep tend to grow: grantees you re-up on have seen median revenue of +97% since the first grant, against -48% for the ones you funded once.

9 repeat relationships — 9 still active in FY2025, 0 since wound down; 2 grantees were first funded in FY2025 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

9
2

Total granted

$1.6M
$13k

Median revenue growth · since first grant

+97%
-48%

Still filing today

78%
50%

New vs renewed · share of each year

In FY2025, 94% of grant dollars renewed an existing relationship; $30k went to new ones.

50%100%’21’22’23’24’25
RenewedFirst-time

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

’21’22’23’24’25
Housing & ShelterCommunity ImprovementHuman ServicesOther

First-time = a grantee’s first year in your filing window; renewed = funded in an earlier year too. As a portfolio matures the renewed share naturally climbs — once funded, an org stays “renewable” — so the signal is the years that buck it (a new-grantee intake wave). 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

  • SE
    SIOUX EMPIRE HOUSING PARTNERSHIP INC
    5× · 2021–2025 · $314k · revenue +5% · 32% of their budget
  • RC
    RUSHMORE CONSUMER CREDIT RESOURCE CENTER
    5× · 2021–2025 · $307k · revenue +107%
  • HA
    Homes are Possible Inc
    5× · 2021–2025 · $122k · revenue +147%

Funded once

  • JV
    JAMES VALLEY HOUSING INC
    one grant, 2022 · $7k
  • NH
    NEIGHBORHOOD HOUSING SERVICES OF THE BLACK HILLS INC
    one grant, 2022 · $5k · revenue -48%

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

04Your field

The map has a center of gravity: the average direction from the rest of the sector toward the organizations the foundation funds — the shape of its giving. Scoring every nonprofit along that direction surfaces the ones that look most like the portfolio. These are the closest matchesthat aren’t grantees — a resemblance in what they say they do, not a recommendation.

1
North Central Kansas Housing Opportunities Inc
Community Improvement
2
Siouxland Habitat for Humanity

To provide affordable housing for low-income families

3
South Dakota Native Homeownership Coalition Inc

To increase homeownership opportunities for south dakota's native people to build strong and healthy communities.

Community Improvement
4
Grand Forks Homes Inc

To provide low income housing to eligible persons in grand forks, nd.

Housing & Shelter
5
Choctaw Home Finance Corporation

To provide affordable home financing to native americans with low and moderate income.

Housing & Shelter
6
Affordable Housing Developers Inc

To provide and be dedicated to the development, preservation and management of decent, safe and affordable housing for lower income households in north dakota.

Housing & Shelter
7
Communityworks North Dakota

Providing affordable housing & development opportunities to revitalize commiunities & improve the standard of living & quality of life for north dakotans. provide low interest loans for emergency home repairs, mortgage assistance, 1st…

Housing & Shelter
8
Tchfh Lending Inc

The mission of tchfh lending, inc. is to help those underserved by the traditional mortgage industry attain homeownership through its affordable mortgage program.

9
Southwest Nebraska Community Betterment Corporation

Creating and improving housing to open doors for economic opportunities.

Human Services
10
Dakota Land Trust

Dakota land trust (dlt) is a community-based organization established to create and preserve a permanent supply of affordable homes for households otherwise priced out of the market in the communities of western sd.

Housing & Shelter
11
Sioux City Housing Trust Fund Inc

To act as the local governing board of sioux city housing trust fund by collecting and disbursing revenue for the purpose of encouraging the development and redevelopment of affordable housing for sioux city's income qualified residents.

Housing & Shelter
12
Great Plains Housing Initiative Inc

To increase access to housing and affordable mortgage capital in native communities in the great plains region.

Housing & Shelter

For reference, the grantee most central to the portfolio’s shape is Rushmore Consumer Credit Resource Center and the most unlike its peers is Homes are Possible Inc. 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

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

Each one resolved to its own IRS returns and tracked year by year — your grant beside their revenue from every source. Association, dated; never a causal claim.

Counted here: distinct organizations you funded across 20172025, not grant rows in a single year — so this will not match the grant count on the cover. 11 of the 13 grantees resolved in that span have returns of their own we could reconcile; the rest are funded organizations whose filings we could not track year by year.

1
Load-bearing (≥25% of a budget)
5
Early backer (in before they grew)
10/11
Grantees still filing
8/11
Grew since you first funded

Where your money sits — by cause, then by grantee

LUTHERAN SOCIAL SERVICES OF SOUTH DAKOTA — $477,420 · OtherLUTHERAN SOCIAL SERVICES OF SOUTH DAKOTAOTHER — $74,792 · OtherOTHERCHEYENNE RIVER HOUSING AUTHORITY — $48,840 · OtherCHEYENNE RIVER HOUSING AUTHORITY+1 more — $7,200 · OtherSIOUX EMPIRE HOUSING PARTNERSHIP INC — $313,660 · Housing & ShelterSIOUX EMPIRE HOUSING PARTNERSHIP INCHomes are Possible Inc — $121,550 · Housing & ShelterHomes are Possible IncMAZASKA OWECASO OTIPI FINANCIAL INC — $76,305 · Housing & ShelterMAZASKA OWECASO OTIPI FINANCIAL INCOglala Sioux Tribe Partnership for Housing Inc — $74,630 · Housing & ShelterOglala Sioux Tribe Partnership for Housin…+1 more — $5,400 · Housing & ShelterRUSHMORE CONSUMER CREDIT RESOURCE CENTER — $307,430 · Human ServicesRUSHMORE CONSUMER CRE…THE LAKOTA FUND INCORPORATED — $94,875 · Community ImprovementTHE TATANKA FUNDS INCORPORATED — $22,825 · Community ImprovementBLACK HILLS COMMUNITY LOAN FUND INC — $7,200 · Community Improvement
Other$608,252Housing & Shelter$591,545Human Services$307,430Community Improvement$124,900

Each org by its size and your share of it — top-left is where you’re load-bearing

25%50%75%100%$1.0M$10Mgrantee revenue →↑ your share of their budgetLUTHERAN SOCIAL SERVICES OF SOUTH DAKOTA — $477,420 over 5y, 0.4% of budgetSIOUX EMPIRE HOUSING PARTNERSHIP INC — $313,660 over 5y, 32% of budgetRUSHMORE CONSUMER CREDIT RESOURCE CENTER — $307,430 over 5y, 19% of budgetHomes are Possible Inc — $121,550 over 5y, 2.0% of budgetTHE LAKOTA FUND INCORPORATED — $94,875 over 5y, 0.5% of budgetMAZASKA OWECASO OTIPI FINANCIAL INC — $76,305 over 4y, 1.5% of budgetOglala Sioux Tribe Partnership for Housing Inc — $74,630 over 4y, 5.3% of budgetNEIGHBORHOOD HOUSING SERVICES OF THE BLACK HILLS INC — $5,400 over 1y, 0.3% of budget
Go grantee by grantee — a decade per org, and how each moved after you funded them

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

The grantmakers whose grantees overlap with yours far more than size alone predicts. Each orbits closer the stronger the alignment; the arcs between them show where they also fund each other. Here it reads as a tightly interlocked camp — most of these funders back each other's grantees too.

South Dakota Community FoundationSD15.4× affinity5 shared granteesties to 5 of 5Hover any node to trace its alignments.Compare side by side →

Open a dossier: South Dakota Community Foundation · Enterprise Community Partners Inc · Oweesta Corporation · Northwest Area Foundation · Wells Fargo Foundation · First Interstate BancSystem Foundation Inc

Affinity is a Gamma-Poisson posterior co-funding rate, re-centered on the typical rate, so thin evidence shrinks toward no signal. A research starting point: overlap is association, not proof of shared intent.

Government reliance of your grantees

Every dot is one organization Homeownership Education Resource Organization funds. Left–right is the share of its income from government; up–down is the share from you. Bigger dots raise more. Filter to federal or a single department — and drag the year to watch it move.

2024
202122232425
no gov · 00%3%10%23%40%your share of their income ↑0%25%50%75%100%share of the org’s income from government
    no gov moneyreceives it· size = income
    0get no government money at all
    4report 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, FY2025

    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 your grant caused the public funding. Coverage is precision-first — a floor, not 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 12–24 months.

    05Through Plinth

    Warm introductions · Powered by PlinthPlus

    How do I get to Homeownership Education Resource Organization?

    Find your warmest path to Homeownership Education Resource Organization through trustees and officers whose names appear on both boards. Search for your organization and Plinth traces the shortest route it can evidence.

    Each link is a name appearing on two organizations’ public IRS 990 filings, matched on that name and, where the filings support it, on location. A same-state match has geographic support, which is a second matching feature rather than confirmation that the two are one person; a cross-state one is the likeliest to be two people who share a name. Every hop shows its tier, low-confidence and distant paths are held back rather than guessed, and it is worth confirming the person before you use the introduction.

    On method. Every financial figure here is read directly from IRS e-file XML — your own 990/990-PF and the multi-year returns of the 13 grantees we resolved across every year we hold, several hundred filings in all (a different count from the grant rows on the cover, which are one fiscal year)— each linked to its source. Grantee achievements and outcomes are each organization’s own program-service reporting (Form 990, Part III); we read these as association with sustained funding — the foundation is one of several forces — suppress low-confidence name matches rather than guess, and say so where a figure rests on a single grant or filing. Not everything on this page is a filed figure, and the difference matters. Filed is what you reported on your 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. How we build these →

    Generated from your IRS Form 990 e-file return for fiscal year 2025, released 2025. Filings run roughly 12–24 months behind; figures are dated accordingly.

    Source object · view filing

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