Tennessee · Nonprofit
HABITAT FOR HUMANITY OF GREATER CHATTANOOGA AREA INC
HABITAT FOR HUMANITY OF GREATER CHATTANOOGA AREA INC (Tennessee) receives grants from 42 organizations whose IRS filings report $4,820,601 to it, the largest being HABITAT FOR HUMANITY OF TN INC ($1,039,005). 25 of them have funded it in more than one year.
- Revenue FY2025
- $4.3M
- Funders on record
- 42
- Grants received
- $4.8M
- Net assets
- $7.3M
What Habitat for Humanity of Greater Chattanooga Area Inc does
Mission
Habitat for humanity of greater chattanooga (hfh-gc) brings together businesses, churches, and other community organizations in partnership with low income families to spark authentic transformation in our city through the construction of simple, decent, affordable and safe homes.
As stated on its FY2025 Form 990.
Programs
The largest portion of hfh-gc's program is the process of home building. This includes land acquisition and development, home design and construction, volunteer management, and related efforts that are involved in the creation of affordable homes that are sold at completion to qualified families through zero percent interest loan support and at no profit.
$1,557,365 spent$787,434 earned by the program59% of program spendingThe second largest portion of hfh-gc's program is the restore operation. Restore helps recycle new and used cabinets, appliances, lighting, hardware and other items donated by area businesses and individuals into the community, while generating funds to support habitat's work in chattanooga.
$475,479 spent18% of program spendingThe third largest portion of hfh-gc's program covers the process of recruiting and identifying potential habitat partner families, and working with them through the habitat application process, a comprehensive home ownership education program which includes courses on home maintenance and on financial management, and follow up support once they are living in their new home. This support spans the 30+ year life of their habitat zero-interest mortgage.
$343,375 spent13% of program spendingZero interest loans are extended to partner families at a discount far below market rate mortgage costs, allowing partner families to stretch precious resources. Mortgage discounts are expensed and amortized on those mortgage loans that are held in-house, rather than being sold to asset recovery programs like tennessee housing development agencies new start program.
$262,000 spent$60,000 earned by the program10% of program spending
The 4 programs described on its FY2024 Form 990, listed largest first by expense. Program spending in total: $2,638,219.
The organization over time
Each line starts at 100 in 2017, so what you read is the shape rather than the size: 150 means half as much again as 2017, 50 means half. The number beside each label in the key is where it ended. The shaded band is where the middle 50% of its peers' revenue would sit, given their growth.
Balance sheet
Total assets and total liabilities at each year end, in dollars. The largest one-year move in total assets was 2024 to 2025, from $6.4M to $7.8M (+23%).
How it's funded, over time
Each bar is one year's revenue split into where it came from, and every bar is the same height — these are shares, not amounts, so a year that raised twice as much looks the same size. Hover a bar for the split.
Government-grant reliance: 2017 18% · 2018 14% · 2019 9% · 2020 12% · 2021 9% · 2022 29% · 2023 7% · 2024 18% · 2025 21%. Grants only. Government contracts and fees sit inside program revenue.
71% of HABITAT FOR HUMANITY OF GREATER CHATTANOOGA AREA INC’s revenue is contributions — more donation-reliant than the typical peer (39% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 4 of the last 9 reported years ran a deficit.
reserve
Leadership and staff
The officers, directors, trustees and key employees listed on each return. Joined and no longer listed compare each filing with the year before, matching people by surname and first initial; a year after a gap, or a roster under three people, has no comparison.
Chief executive
Jens Christensen
President & CEO
As listed on its FY2025 Form 990.
The chief executive listed changed between the FY2020 and FY2021 filings.
Who funds it, year by year
2017 → 2023: the base broadened from 5 funders to 18 funders, grant income rose $135k → $871k.
12 of 42 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 24% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
From the IRS filings of HABITAT FOR HUMANITY OF GREATER CHATTANOOGA AREA INC’s funders (the co-funder graph). Top 30 of 42 funders by total. Association, not causation. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How concentrated its funding is
HABITAT FOR HUMANITY OF GREATER CHATTANOOGA AREA INC has a broad base — no single funder exceeds 22% of grant income, and it takes 4 funders to reach half.
the vertical line marks half of all grant income — 4 funders to its left
64% of the income these shares are computed over arrives through pass-through sponsors or from payers whose filings do not say what kind of payment it is. Concentration is still measured over all of it, because the money is real; what it does not support is a claim about how many institutions have chosen to fund HABITAT FOR HUMANITY OF GREATER CHATTANOOGA AREA INC.
Largest funder’s share by year: 2017 37% · 2018 41% · 2019 62% · 2020 24% · 2021 28% · 2022 24% · 2023 20% — diversifying over time.
“Effective funders” = inverse Herfindahl index (1 / Σ shareᵢ²) — the number of equal-sized funders that would give the same concentration. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
How long its funders stay
28% of HABITAT FOR HUMANITY OF GREATER CHATTANOOGA AREA INC's funders are still giving 3 years after their first grant; 60% give in more than one year at all.
Share of funders still giving k years after their first recorded grant, pooled across every acquisition cohort. A funder counts as retained in a year only if it made a grant that year. Measured to FY2023, the last fiscal year that has finished arriving — a funder cannot be counted as lapsed in a year most filers have not reached.
Where its funders are
70% of HABITAT FOR HUMANITY OF GREATER CHATTANOOGA AREA INC's grant income comes from Tennessee funders.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $1.1M arriving through sponsors registered in 9 states is excluded from the map and the split above: a sponsor holds money on a donor’s behalf, so its registered address would place those dollars somewhere no donor need ever have been. Trends are read to FY2023, the last fiscal year that has finished arriving. FY2024–FY2026 are still being filed and are shown unshaded; they do not move any figure on this page.
Against its field
HABITAT FOR HUMANITY OF GREATER CHATTANOOGA AREA INC runs a healthier operating margin than three-quarters of the 2,367 housing & shelter nonprofits its size.
this organization peer median middle 50% of peers· 2,367 housing & shelter nonprofits $1M–$10M, FY2025
Organizations like HABITAT FOR HUMANITY OF GREATER CHATTANOOGA AREA INC
Organizations whose mission and program text most resemble this one, by semantic similarity over every organization in the US filings — the closest peers, and often the clearest route to shared or prospective funders.
In Tennessee
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
91% of spending goes to programs.
Governance
Public support
98%
Share of support from the public (Schedule A) — the basis for its public-charity status.
Footprint & structure
Files a return copy in 1 state
Part of a family of 1 related entity
- Habitat for Humanity International · exempt
Screen this organization
A dated, signed PDF of the compliance screen for HABITAT FOR HUMANITY OF GREATER CHATTANOOGA AREA INC: IRS status (Business Master File, Publication 78, auto-revocation), the OFAC sanctions lists, the Internal Revenue Bulletin, and California registration, with the Rev. Proc. 2018-32 §8.01 reliance elements stated element by element. Generated from the current files at the moment you download it.
Screens are triage, not determinations; a source that cannot be read reports not screened, never clear. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds HABITAT FOR HUMANITY OF GREATER CHATTANOOGA AREA INC?
- HABITAT FOR HUMANITY OF GREATER CHATTANOOGA AREA INC (Tennessee) receives grants from 42 organizations whose IRS filings report $4,820,601 to it, the largest being HABITAT FOR HUMANITY OF TN INC ($1,039,005). 25 of them have funded it in more than one year.
- How many funders does HABITAT FOR HUMANITY OF GREATER CHATTANOOGA AREA INC have?
- IRS filings report 42 organizations giving $4,820,601 in grants to HABITAT FOR HUMANITY OF GREATER CHATTANOOGA AREA INC, 25 of which have funded it in more than one year.
- Who is the largest funder of HABITAT FOR HUMANITY OF GREATER CHATTANOOGA AREA INC?
- HABITAT FOR HUMANITY OF TN INC is the largest funder on record, with $1,039,005 in grants. The full list of funders is on this page.
- How can an organization like HABITAT FOR HUMANITY OF GREATER CHATTANOOGA AREA INC find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Tennessee. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
Play a game about who funds Habitat for Humanity of Greater Chattanooga Area →
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2025 (financials across 2017–2025), and the filings of 42 funders that report grants to it. “On record” means captured in the filings we have parsed — a funder that does not e-file, or whose grant detail is not itemized, will not appear. Filings run roughly 12–24 months behind. Trends on this page end at FY2023, the last fiscal year that has finished arriving; later years are shown and marked, and move no figure. Data on this page was exported October 22, 2026. What this page cannot tell you · view filing