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Minnesota Home Ownership Center at a glanceMostly funded, not a grantmaker: see who funds it →

· Public charity

Minnesota Home Ownership Center

To build a stronger, more inclusive homeownership ecosystem so that every minnesotan - especially those facing the greatest systemic and historic barriers - can access and sustain the stability and wealth-building opportunities of homeownership.

$650k
Granted FY2025still arriving
16
Grants FY2025still arriving
1
States reached
$90k
Largest
01What it fundsRead
02The needRead
03Its granteesRead
04Its fieldRead
05Through PlinthRead
01What it funds
01100% classified

What it funded, over time

Every grant placed by its stated purpose and the recipient’s mission, by year, FY2023 to 2024.

Housing & Shelter$1.0MCommunity Improvement$180k
02FY2025 · 16 grants

Where the money goes

Grants by size, and the largest recipients.

By grant size · FY2025

  • $10k–50k12 grants · $298k
  • $50k–250k4 grants · $352k
$30,000
Median grant
1
States reached
$16M
Total assets
Largest grants
RecipientAmount
LUTHERAN SOCIAL SERVICE FINANCIAL COUNSELING$90,325
PRG INC$88,256
PROJECT FOR PRIDE IN LIVING$87,982
NEIGHBORHOOD DEVELOPMENT ALLIANCE$85,726
ONE ROOF COMMUNITY HOUSING$42,846
DAKOTA COUNTY CDA$38,000
Individual grant recipient$38,000
Individual grant recipient$30,000
ARROWHEAD ECONOMIC OPPORTUNITY AGENCY$29,000
KOOTASCA COMMUNITY ACTION INC$26,000
TWIN CITIES HABITAT FOR HUMANITY$20,000
AFRICAN DEVELOPMENT CENTER$18,000
ANOKA COUNTY COMMUNITY ACTION PROGRAM INC$16,000
MODEL CITIES COMMUNITY DEVELOPMENT CORPORATION$15,000
THREE RIVERS COMMUNITY ACTION$15,000
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 (FY25–25, $212k) land where the poverty rate runs at 12%, against an area that typically sits at 10%. 92% of those dollars go to grantees based in above-average-need neighborhoods. Most of its grants land in higher-need ZIPs.

area typical 10%ANOKA COUNTY COMMUNITY ACTION PROGRAM INC: $16k → 7%PROJECT FOR PRIDE IN LIVING: $88k → 11%LUTHERAN SOCIAL SERVICE FINANCIAL COUNSELING: $90k → 14%AFRICAN DEVELOPMENT CENTER: $18k → 11%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.
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.

52%of every dollar goes to organizations it has funded before.
$963k · 3 repeat orgs$907k to everyone else

3 repeat relationships: 1 still active in FY2025, 2 since wound down; 15 grantees were first funded in FY2025 (too recent to call).

How the two cohorts compare

Re-uppedFunded once

Organizations

3
2

Total granted

$963k
$277k

Median revenue growth · since first grant

+8%
+112%

Still filing today

100%
50%

New vs renewed · share of each year

In FY2025, 3% of grant dollars renewed an existing relationship; $630k went to new ones.

50%100%’23’24’25
RenewedFirst-time

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

’23’24’25
Human ServicesHousing & ShelterCommunity ImprovementEducationOther
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

  • TC
    TWIN CITIES HABITAT FOR HUMANITY
    3× · 2023–2025 · $693k · revenue +4%
  • BW
    Build Wealth MN Inc
    2× · 2023–2024 · $135k · revenue +8%
  • CN
    COMMUNITY NEIGHBORHOOD HOUSING SERVICES
    2× · 2023–2024 · $135k · revenue +333%

Funded once

  • TL
    TCHFH LENDING INCgraduated
    one grant, 2024 · $232k · revenue +112%
  • FI
    FIRST INDEPENDENCE BANK
    one grant, 2023 · $45k
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
Minnesota Housing Partnership

Minnesota housing partnership (mhp) expands housing and community development opportunity by leading collaborative work to promote systems change and grow develoopment capacity.

—
2
Neighborhood Housing Services of Duluth One Roof Lending

To provide financing that will help people of lower income find, purchase, and fix their homes, for both single family homes as well as rental housing situations.

Community Improvement
3
Minneapolis Area Association of Realtors Foundation Inc
—
4
Twin Cities Habitat for Humanity Community Housing Development Org Inc

To further the affordable housing mission of twin cities habitat for humanity, inc., namely: to bring people together to create, preserve, and promote affordable homeownership and advance racial equity in housing.

—
5
Habitat Community Housing Development Inc

Development of affordable housing

—
6
North Central Kansas Housing Opportunities Inc
Community Improvement
7
Community Housing Council
Housing & Shelter
8
Mutual Aid Twin Cities Housing Cooperative

Charitable, Low-Income Housing

—
9
Two Rivers Community Land Trust

To provide permanently affordable housing alternatives for low and moderate income individuals, families, and households earning up to 80% of median income in washington county, minnesota.

Housing & Shelter
10
Minnesota Home Ownership Center

To build a stronger, more inclusive homeownership ecosystem so that every minnesotan - especially those facing the greatest systemic and historic barriers - can access and sustain the stability and wealth-building opportunities of…

Housing & Shelter
11
City of Lakes Community Land Trust

Creating community ownership that preserves affordability and inclusivity is the mission of the city of lakes community land trust.

Housing & Shelter
12
Neighborhood Housing Services of Southwest Wisconsin Inc

To develop, administer and conduct housing rehabilitation services; and to provide home ownership counseling and other related neighborhood improvement activities.

—
How this is measured
The grantee most central to the portfolio’s shape is Community Neighborhood Housing Services; the most unlike its peers is Model Cities Community Development Corporation. 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

16 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. 16 of the 20 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)
5
Early backer (in before they grew)
16/16
Grantees still filing
10/16
Grew since first funded

Where the money sits, by cause and then by grantee

TWIN CITIES HABITAT FOR HUMANITY: $693,250 · OtherTWIN CITIES HABITAT FOR HUMANITYTCHFH LENDING INC: $231,750 · OtherTCHFH LENDING INCFIRST INDEPENDENCE BANK: $45,000 · Other+6 more: $176,000 · Other+6 moreCOMMUNITY NEIGHBORHOOD HOUSING SERVICES: $135,000 · Housing & ShelterCOMMUNITY NEIGHB…PRG INC: $88,256 · Housing & ShelterPRG INCONE ROOF COMMUNITY HOUSING: $42,846 · Housing & ShelterONE ROOF COMMUNI…LUTHERAN SOCIAL SERVICE OF MINNESOTA: $90,325 · Human ServicesLUTHERAN SOC…PROJECT FOR PRIDE IN LIVING INC: $87,982 · Human ServicesPROJECT FOR …AFRICAN DEVELOPMENT CENTER: $18,000 · Human ServicesAFRICAN DEVE…ANOKA COUNTY COMMUNITY ACTION PROGRAM INC: $16,000 · Human ServicesANOKA COUNTY…Build Wealth MN Inc: $135,000 · EducationNEIGHBORHOOD DEVELOPMENT ALLIANCE INC: $85,726 · Community ImprovementMODEL CITIES COMMUNITY DEVELOPMENT CORPORATION: $15,000 · Community ImprovementCOMMUNITY ACTION PARTNERSHIP OF HENNEPIN COUNTY: $10,000 · Community Improvement
Other$1,146,000Housing & Shelter$266,102Human Services$212,307Education$135,000Community Improvement$110,726

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

25%50%75%100%$10M$100Mgrantee revenue →↑ funder's share of their budgetTWIN CITIES HABITAT FOR HUMANITY: $693,250 over 3y, 1.2% of budgetTCHFH LENDING INC: $231,750 over 1y, 4.4% of budgetBuild Wealth MN Inc: $135,000 over 2y, 1.1% of budgetCOMMUNITY NEIGHBORHOOD HOUSING SERVICES: $135,000 over 2y, 1.9% of budgetLUTHERAN SOCIAL SERVICE OF MINNESOTA: $90,325 over 1y, 0.1% of budgetPRG INC: $88,256 over 1y, 4.9% of budgetNEIGHBORHOOD DEVELOPMENT ALLIANCE INC: $85,726 over 1y, 4.8% of budgetARROWHEAD ECONOMIC OPPORTUNITY AGENCY INCORPORATED: $29,000 over 1y, 0.1% of budgetTHREE RIVERS COMMUNITY ACTION INC: $15,000 over 1y, 0.1% of budgetCOMMUNITY ACTION PARTNERSHIP OF HENNEPIN COUNTY: $10,000 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.

How much its grantees rely on government

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

2024
’20’21’22’23’24’25
no gov · 00%0%1%3%5%funder's 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
    2report 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.
    05Through Plinth

    Warm introductions · Powered by PlinthPlus

    How do I get to Minnesota Home Ownership Center?

    Find your warmest path to Minnesota Home Ownership Center 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 from IRS e-file XML, the funder’s own 990/990-PF, and from the multi-year returns of the 20 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 2025, released 2025. Filings run roughly 12 to 24 months behind; figures are dated accordingly.

    Source object · view filing

    Play a game based on Minnesota Home Ownership Center’s filings →

    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