Minnesota · Nonprofit
NEIGHBORHOOD HOUSING SERVICES OF DULUTH ONE ROOF LENDING
NEIGHBORHOOD HOUSING SERVICES OF DULUTH ONE ROOF LENDING (Minnesota) receives grants from 3 organizations whose IRS filings report $2,324,300 to it, the largest being NEIGHBORHOOD REINVESTMENT CORPORATION DBA NEIGHBORWORKS AMERICA ($2,259,300). 1 of them have funded it in more than one year.
Against its field
NEIGHBORHOOD HOUSING SERVICES OF DULUTH ONE ROOF LENDING runs a healthier operating margin than three-quarters of the 4,197 community improvement nonprofits its size.
this organization peer median middle 50% of peers· 4,197 community improvement nonprofits $1M–$10M, FY2024
Three funders worth looking at
Grantmakers with no record of funding this organization, ranked by how strongly the co-funder graph and the mission embeddings agree. The evidence is in section 03.
- The Housing Partnership Network Incshared fundersportfolio match
- Head of the Lakes United Wayshared funderslocal
- Tchfh Lending Incportfolio match
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.
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 61% · 2018 75% · 2019 48% · 2020 77% · 2021 73% · 2022 79% · 2023 48% · 2024 25%. Grants only. Government contracts and fees sit inside program revenue.
62% of NEIGHBORHOOD HOUSING SERVICES OF DULUTH ONE ROOF LENDING’s revenue is contributions — more donation-reliant than the typical peer (61% for the typical peer).
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 0 of the last 8 reported years ran a deficit.
reserve
Who funds it, year by year
2017 → 2023: the base held at 1 funder, grant income rose $35k → $328k.
From the IRS filings of NEIGHBORHOOD HOUSING SERVICES OF DULUTH ONE ROOF LENDING’s funders (the co-funder graph). 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
NEIGHBORHOOD HOUSING SERVICES OF DULUTH ONE ROOF LENDING leans on a few funders — its largest provides 97% of grant income and the top three 100%; half comes from just 1 funder.
the vertical line marks half of all grant income — 1 funder to its left
100% 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 NEIGHBORHOOD HOUSING SERVICES OF DULUTH ONE ROOF LENDING.
Largest funder’s share by year: 2017 100% · 2018 100% · 2019 100% · 2020 100% · 2021 100% · 2022 100% · 2023 100% — broadly stable.
“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.
Where its funders are
NEIGHBORHOOD HOUSING SERVICES OF DULUTH ONE ROOF LENDING draws 97% of its grant income from funders outside Minnesota, across 2 states in all.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. 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.
Funders to approach
Grantmakers that don’t fund you yet, surfaced two ways: they back organizations that share your funders, or their grantees resemble your mission. The ones both signals agree on come first.
- The Housing Partnership Network Incshared fundersportfolio matchMA · backs 23 organizations that share your funders · its grantees resemble your mission
- Head of the Lakes United Wayshared funderslocalMN · backs 26 organizations that share your funders · funds 35 organizations near you
- Tchfh Lending Incportfolio matchits grantees resemble your mission
- Family Housing Fundportfolio matchits grantees resemble your mission
- Greater Minnesota Housing Fundportfolio matchits grantees resemble your mission
- Minneapolis Area Association of Realtors Foundation Incportfolio matchits grantees resemble your mission
- Results Foundationportfolio matchits grantees resemble your mission
- Front Porch Investmentsportfolio matchits grantees resemble your mission
- The Constellation Fundportfolio matchits grantees resemble your mission
- The James M Stanton Foundationportfolio matchits grantees resemble your mission
- Wilson Foundationportfolio matchits grantees resemble your mission
- Duluth 1200 Fund InclocalMN · funds 112 organizations near you
From the co-funder graph (funders backing at least two comparable organizations, shrunk for grantee count, donor-advised and mega-funds excluded) and the universe embeddings. A research starting point; overlap is association, not a guarantee of fit.
Organizations like NEIGHBORHOOD HOUSING SERVICES OF DULUTH ONE ROOF LENDING
Nonprofits whose mission and program text most resemble this one, by semantic similarity over the universe of US filings — the closest peers, and often the clearest route to shared or prospective funders.
In Minnesota
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
100% of spending goes to programs.
Governance
Public support
99%
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
- One Roof Community Housing · exempt
Screen this organization
A dated, signed PDF of the compliance screen for NEIGHBORHOOD HOUSING SERVICES OF DULUTH ONE ROOF LENDING: 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. How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds NEIGHBORHOOD HOUSING SERVICES OF DULUTH ONE ROOF LENDING?
- NEIGHBORHOOD HOUSING SERVICES OF DULUTH ONE ROOF LENDING (Minnesota) receives grants from 3 organizations whose IRS filings report $2,324,300 to it, the largest being NEIGHBORHOOD REINVESTMENT CORPORATION DBA NEIGHBORWORKS AMERICA ($2,259,300). 1 of them have funded it in more than one year.
- How many funders does NEIGHBORHOOD HOUSING SERVICES OF DULUTH ONE ROOF LENDING have?
- IRS filings report 3 organizations giving $2,324,300 in grants to NEIGHBORHOOD HOUSING SERVICES OF DULUTH ONE ROOF LENDING, 1 of which have funded it in more than one year.
- Who is the largest funder of NEIGHBORHOOD HOUSING SERVICES OF DULUTH ONE ROOF LENDING?
- NEIGHBORHOOD REINVESTMENT CORPORATION DBA NEIGHBORWORKS AMERICA is the largest funder on record, with $2,259,300 in grants. The full list of funders is on this page.
- How can an organization like NEIGHBORHOOD HOUSING SERVICES OF DULUTH ONE ROOF LENDING find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Minnesota. The funding by cause and by state pages list the largest funders for a given area and how to approach them.
These figures are read directly from IRS Form 990 / 990-PF e-file XML: this organization’s own return for FY2024 (financials across 2017–2024), and the filings of 3funders 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 August 27, 2026. What this page cannot tell you · view filing