Pennsylvania · Nonprofit
TENFOLD COMMUNITY LENDING
TENFOLD COMMUNITY LENDING (Pennsylvania) receives grants from 12 organizations whose IRS filings report $1,016,556 to it, the largest being TETO CORPORATION ($300,000). 4 of them have funded it in more than one year.
- Revenue FY2025
- $901k
- Funders on record
- 12
- Grants received
- $1.0M
- Net assets
- $6.4M
What Tenfold Community Lending does
Mission
Tenfold sparks the power in all people to achieve equitable housing and financial security. We are the trusted community partner innovatively building wealth and achieving quality, fair and affordable housing for all, through proactive coaching, education, lending and advocacy.
As stated on its FY2025 Form 990.
Programs
The homebuyer program provided closing cost loans averaging $9,574 that enable 55 low and moderate income families to purchase their first home. The total amount of closing cost loans originated was $622,145. The loans are provided interest free with payment deferred until resale.
$497,833 spent$487,987 earned by the program76% of program spendingThe local housing investment trust fund (lhift) is a revolving loan fund for flexible, low interest loans to support and stimulate the creation, rehabilitation, and preservation of affordable housing and mixed-use projects within the south central pennsylvania counties of adams, cumberland, dauphin, franklin, lancaster, lebanon, perry and york. Underwritten 2 loans averageing $19,017 that permit moderate income families to repair their homes.
$160,853 spent24% of program spending
The 2 programs described on its FY2024 Form 990, listed largest first by expense. Program spending in total: $658,686.
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 2020 to 2021, from $15M to $11M (−31%).
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 42% · 2018 23% · 2019 24% · 2020 29% · 2021 38% · 2022 64% · 2023 45% · 2024 50% · 2025 24%. Grants only. Government contracts and fees sit inside program revenue.
24% of TENFOLD COMMUNITY LENDING’s revenue is contributions — about as donation-reliant as the typical peer (37% for the typical peer).
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.
Chief executive
Shelby Nauman
CEO
Board chair
Jeff Scheuren
Chair
As listed on its FY2025 Form 990.
Who funds it, year by year
2017 → 2022: the base narrowed from 2 funders to 1 funder, grant income fell $31k → $12.
3 of 12 of your funders are donor-advised or pass-through sponsors (tagged DAF) — 10% 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 TENFOLD COMMUNITY LENDING’s funders (the co-funder graph). Top 11 of 12 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
TENFOLD COMMUNITY LENDING leans on a few funders — its largest provides 30% of grant income and the top three 77%; half comes from just 2 funders.
the vertical line marks half of all grant income — 2 funders to its left
Largest funder’s share by year: 2017 65% · 2018 67% · 2019 58% · 2020 52% · 2021 100% · 2022 100% — growing more concentrated.
“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
17% of TENFOLD COMMUNITY LENDING's funders are still giving 3 years after their first grant; 33% 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 FY2022, 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
97% of TENFOLD COMMUNITY LENDING's grant income comes from Pennsylvania funders.
In-state vs out-of-state, by year
Funder states come from each funder’s own filing. $103k arriving through sponsors registered in 2 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
TENFOLD COMMUNITY LENDING runs a healthier operating margin than three-quarters of the 4,980 housing & shelter nonprofits its size.
this organization peer median middle 50% of peers· 4,980 housing & shelter nonprofits $100k–$1M, FY2025
Government funding TENFOLD COMMUNITY LENDING receives
Grants and contracts to this organization from federal (USASpending) and state checkbooks, reconciled to its EIN. $259k on record.
- Department of Housing and Urban Development$259k
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 TENFOLD COMMUNITY LENDING
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 Pennsylvania
Nationally
Read directly from this organization’s own Form 990, as neutral context.
Where the money goes
88% of spending goes to programs.
Governance
Public support
55%
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
- Tenfold · exempt
Screen this organization
A dated, signed PDF of the compliance screen for TENFOLD COMMUNITY 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. Screen this nonprofit · How the screen works · on the API as GET /api/screening/{ein}?format=pdf
Questions and answers
- Who funds TENFOLD COMMUNITY LENDING?
- TENFOLD COMMUNITY LENDING (Pennsylvania) receives grants from 12 organizations whose IRS filings report $1,016,556 to it, the largest being TETO CORPORATION ($300,000). 4 of them have funded it in more than one year.
- How many funders does TENFOLD COMMUNITY LENDING have?
- IRS filings report 12 organizations giving $1,016,556 in grants to TENFOLD COMMUNITY LENDING, 4 of which have funded it in more than one year.
- Who is the largest funder of TENFOLD COMMUNITY LENDING?
- TETO CORPORATION is the largest funder on record, with $300,000 in grants. The full list of funders is on this page.
- How can an organization like TENFOLD COMMUNITY LENDING find more funders?
- Start with the funders already giving here, then look at the foundations that back similar organizations in Pennsylvania. 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 Tenfold Community Lending →
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 12 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 14, 2026. What this page cannot tell you · view filing