Minnesota · Nonprofit
TCHFH LENDING INC
TCHFH LENDING INC (Minnesota) receives grants from 5 organizations whose IRS filings report $9,244,653 to it, the largest being GROUNDBREAK COALITION ($8,760,000). 1 of them have funded it in more than one year.
- Revenue FY2025
- $11M
- Funders on record
- 5
- Grants received
- $9.2M
- Net assets
- $11M
What Tchfh Lending Inc does
Mission
The mission of tchfh lending, inc. Is to help those underserved by the traditional mortgage industry attain homeownership through its affordable mortgage program.
As stated on its FY2025 Form 990.
Programs
Twin cities habitat for humanity is the sole member of the Tchfh Lending Inc. Corporation; together the two organizations work in partnership to make decent, affordable homeownership possible for low and moderate income households across the twin cities seven-county metro. Tchfh lending, inc. Originates affordable mortgages, services residential mortgage loans, and provides down payment and closing cost assistance to first-time homebuyers. Its primary program is to finance residential mortgages to a target market of low income households for the purchase of a habitat-built home or a move-in ready home. The organization was incorporated in fy16 and certified as a community development financial institution in 2018. In fy25, the cdfi financed $23 million in first mortgages supporting 113 first time homebuyers.
$1,845,031 spentof which $798,400 as grants43% of program spendingTchfh lending, inc. Provides down payment and closing cost assistance grants to eligible low-income homebuyers and facilitates third-party down payment assistance programs and subordinate loans. Loans and grants were given to 268 homebuyers in fy25, including 113 habitat clients and 155 clients accessing region-wide dpa programs where lending inc. Acted as administrator or dpa originator.tchfh lending, inc. Is committed to fostering inclusive communities and advancing homeownership opportunities for all. Tchfh lending, inc. Expanded down payment assistance support tohomebuyers by participating in two region-wide down payment assistance programs. Clients outside of the tc habitat homeownership program received dpa support in the form of forgivable andrepayable loans, and post-purchase coaching and savings subsidies. Through these programs, 155 additional first-time homebuyers were supported in purchasing their first home to create pathways to long-term financial stability and generational wealth.
$1,627,836 spentof which $1,627,836 as grants38% of program spendingTchfh lending, inc. Services residential mortgages it originates and services existing loans previously originated by its parent entity, twin cities habitat for humanity, inc. The organization serviced 1,450 loans in fy25.
$786,371 spentof which $199,600 as grants$1,305,676 earned by the program18% of program spending
The 3 programs described on its FY2024 Form 990, listed largest first by expense. Program spending in total: $4,259,238.
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.
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 $11M to $20M (+74%).
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: 2020 14% · 2021 23% · 2022 12% · 2023 21% · 2024 29% · 2025 9%. Grants only. Government contracts and fees sit inside program revenue.
Surplus & reserves
Operating surplus or deficit each year, and months of liquidity in hand. 1 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.
Board chair
Delinda Washington
Board chair
As listed on its FY2025 Form 990.
Who funds it, year by year
2017 → 2023: the base held at 1 funder, grant income fell $22k → $5k.
1 of 5 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 1% of grant dollars received. That money is really individual donors directing a sponsor; the institutions to cultivate are the non-DAF funders.
Left out of every figure on this page: $4.0M from 2 payers (the payer shares this organization's board, largest Twin Cities Habitat for Humanity). These are real filings, and they are not money TCHFH LENDING INC raised.
From the IRS filings of TCHFH LENDING INC’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
TCHFH LENDING INC leans on a few funders — its largest provides 95% of grant income and the top three 99%; 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 TCHFH LENDING INC.
Largest funder’s share by year: 2017 100% · 2020 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
98% of TCHFH LENDING INC's grant income comes from Minnesota funders.
Funder states come from each funder’s own filing. $53k arriving through sponsors registered in 1 state 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.
Government funding TCHFH LENDING INC receives
Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $4.4M on record.
- Department of the Treasury$4.4M
Federal grants vs contracts are distinguished; state line items keep their reported category. Matched by name + geography (the BMF), so coverage is partial and precision-first.
Organizations like TCHFH LENDING 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 Minnesota
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
91% of spending goes to programs.
Governance
Footprint & structure
Files a return copy in 1 state
Part of a family of 1 related entity
- Twin Cities Habitat for Humanity Inc · exempt
Screen this organization
A dated, signed PDF of the compliance screen for TCHFH LENDING 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 TCHFH LENDING INC?
- TCHFH LENDING INC (Minnesota) receives grants from 5 organizations whose IRS filings report $9,244,653 to it, the largest being GROUNDBREAK COALITION ($8,760,000). 1 of them have funded it in more than one year.
- How many funders does TCHFH LENDING INC have?
- IRS filings report 5 organizations giving $9,244,653 in grants to TCHFH LENDING INC, 1 of which have funded it in more than one year.
- Who is the largest funder of TCHFH LENDING INC?
- GROUNDBREAK COALITION is the largest funder on record, with $8,760,000 in grants. The full list of funders is on this page.
- How can an organization like TCHFH LENDING INC 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 FY2025 (financials across 2017–2025), and the filings of 5 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