What is the EIN of PENNSYLVANIA HOME LENDING COLLABORATIVE INC?

The employer identification number (EIN) of PENNSYLVANIA HOME LENDING COLLABORATIVE INC is 47-2605170.

Are donations to PENNSYLVANIA HOME LENDING COLLABORATIVE INC tax-deductible?

Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).

When is the next return of PENNSYLVANIA HOME LENDING COLLABORATIVE INC due?

The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.

When did PENNSYLVANIA HOME LENDING COLLABORATIVE INC last file with the IRS?

The latest return in the IRS public files is the 990 for the year ended December 2024.

Who is the principal officer of PENNSYLVANIA HOME LENDING COLLABORATIVE INC?

The 990 for the year ended December 31, 2024 names STEPHEN GIERINGER.

Who are the officers and directors of PENNSYLVANIA HOME LENDING COLLABORATIVE INC?

The 990 for the year ended December 31, 2024 lists 7 people; 0 received compensation from the organization.

How much revenue does PENNSYLVANIA HOME LENDING COLLABORATIVE INC have?

On its 990 for the year ended December 31, 2024 it reported revenue of $441,683, expenses of $85,917 and total assets of $4,197,250 at year end.

Nonprofit · EIN 47-2605170

PENNSYLVANIA HOME LENDING COLLABORATIVE INC

Tax-exempt · READING, PA 19601

Financials

Revenue Expenses · by fiscal year end

Financials of PENNSYLVANIA HOME LENDING COLLABORATIVE INC by year, from its e-filed returns
Year ended	Form	Revenue	Expenses	Net income	Total assets	Liabilities	Net assets
December 31, 2024	990	$441,683	$85,917	$355,766	$4,197,250	$3,447,653	$749,597
December 31, 2023	990	$331,092	$80,737	$250,355	$3,373,901	$2,894,963	$478,938

Financial details: 990 for the year ended December 31, 2024

Revenue

Contributions, gifts and grants: $0
Program service revenue: $432,153
Investment income: $9,530
Other revenue: $0

Expenses

Grants and similar amounts paid: $0
Other salaries and wages: $10,000
Salaries, compensation and benefits (total): $10,000
Professional fundraising fees: $0
Accounting fees: $8,265
Travel: $159
Program services (functional): $85,917

Balance sheet and other

Total assets, start of year: $3,373,901
Total assets, end of year: $4,197,250
Total liabilities, end of year: $3,447,653
Net assets, end of year: $749,597
Net assets without donor restrictions: $749,597
Gross receipts: $441,683
Employees: 0
Volunteers: 6
Year formed: 2014
State of legal domicile: PA

From the e-filed returns the IRS publishes as XML (latest three processing years; amended returns replace the original). PDF copies at the IRS.

Officers, directors and key employees

As listed on the 990 for the year ended December 31, 2024, highest compensation first.

Name	Title	Hours / week	Compensation	From related orgs	Other / benefits
STEPHEN T GIERINGER	PRESIDENT AND CEO Officer	1	$0	$145,718	$25,763
CRAIG BURKLEY	CHAIR Trustee or director, Officer	1	$0	$0	$0
DOUGLAS RAUCH	VICE CHAIR Trustee or director, Officer	1	$0	$0	$0
DEBRA WETZEL	TREASURER Trustee or director, Officer	1	$0	$0	$0
BETH BOWERS ESQ	CORPORATE SECRETARY Trustee or director, Officer	1	$0	$0	$0
LAURIE GRUBE	DIRECTOR Trustee or director	1	$0	$0	$0
CHRISTIE ROSARIO	DIRECTOR Trustee or director	1	$0	$0	$0

990 for the year ended December 31, 2023: 8 people

Name	Title	Hours / week	Compensation	From related orgs	Other / benefits
STEPHEN T GIERINGER	PRESIDENT AND CEO Officer	1	$0	$147,511	$23,549
CRAIG BURKLEY	CHAIR Trustee or director, Officer	1	$0	$0	$0
DOUGLAS RAUCH	VICE CHAIR Trustee or director, Officer	1	$0	$0	$0
DEBRA WETZEL	TREASURER Trustee or director, Officer	1	$0	$0	$0
BETH BOWERS	CORPORATE SECRETARY Trustee or director, Officer	1	$0	$0	$0
LAURIE GRUBE	DIRECTOR Trustee or director	1	$0	$0	$0
CHRISTIE ROSARIO	DIRECTOR Trustee or director	1	$0	$0	$0
DEVON NEWSHAM	DIRECTOR THRU DECEMBER Trustee or director	1	$0	$0	$0

Address and contacts

Address (IRS master file): 213 N 5TH STREET, READING, PA 19601-3391
In care of: % STEPHEN T GIERINGER
Principal officer (990 for 2024): STEPHEN GIERINGER, 213 N 5TH STREET, READING, PA 19601
Signed the 990: STEPHEN GIERINGER, CEO
Phone: (610) 372-8433
Return prepared by: HERBEIN COMPANY INC

Mission

THE MISSION OF PENNSYLVANIA HOME LENDING COLLABORATIVE IS TO PROMOTE AND FACILITATE FIRST-TIME HOME OWNERSHIP PRIMARILY TO INDIVIDUALS AND FAMILIES OF MODEST MEANS (BELOW 80%AMI) RESIDING IN PARTICIPATING OR QUALIFIED SERVICE AREAS THROUGH AFFORDABLE FINANCIAL ASSISTANCE AND FLEXIBLE UNDERWRITING.
990 for the year ended December 31, 2024

Program accomplishments

STATE-WIDE LENDING:THE ORGANIZATION IS COLLABORATING WITH SIX OTHER ESTABLISHED NEIGHBORWORKS ORGANIZATIONS THAT COVER THE MAJORITY OF PENNSYLVANIA IN THEIR COLLECTIVE SERVICE AREAS. IN THE INTEREST OF PROVIDING FINANCIAL ASSISTANCE TO LOW/MODERATE INCOME CLIENTS SEEKING FIRST TIME HOME OWNERSHIP IN THEIR REGIONS, THE ORGANIZATION WAS ASKED TO LEAD THE CREATION OF A LENDING EFFORT, WHEREBY THE ORGANIZATION COULD PROVIDE LENDING SERVICES AND CAPITAL TO THEIR CONSTITUENTS WHO QUALIFY. SEE ADDITIONAL INFORMATION ON SCHEDULE O.IN ADDITION TO PROMOTING FIRST-TIME HOME OWNERSHIP, THE ORGANIZATION PROMOTES AND ASSISTS EXISITING HOMEOWNERS IN THE NEIGHBORWORKS ORGANIZATION SERVICE AREAS TO REMAIN IN RESIDENCE THROUGH AFFORDABLE FINANCIAL ASSISTANCE FOR NECESSARY HOME REPAIR AND/OR RENOVATIONS. AFFORDABLE HOME REPAIR FINANCING FOR HOMEOWNERS OF MODEST MEANS AND/OR WITH LITTLE EQUITY IN THEIR HOMES IS A CRITICAL UNMET NEED. THE LACK OF CAPITAL FOR THESE FAMILIES IS CONTRIBUTING TO THE SEVERE DETERIORATION OF PENNSYLVANIA'S HOUSING STOCK THROUGH DISINVESTMENTS, AND LOWERING LIVING STANDARDS FOR THE OCCUPANTS. THE ORGANIZATION PROVIDES ACCESS TO LOAN PRODUCTS THAT ENABLE AND ENCOURAGE FAMILIES TO UTILIZE/INVEST IN 'GREEN TECHNOLOGY' THAT, AMONG OTHER THINGS, RESULTS IN LOWER ENERGY COSTS. ALL BORROWERS ARE REQUIRED TO COMPLETE SOME OR ALL OF THE HOMEBUYER EDUCATION CLASSES, INDIVIDUAL BUDGET AND CREDIT COUNSELING, AS WELL AS PRE- AND POST- PURCHASE COUNSELING, AS APPLICABLE.IN 2024, THE HOME OWNERSHIP CENTER VIA PHLC ASSISTED 82 FAMILIES BUY THEIR FIRST HOME, LENDING $1,379,074 IN DOWN PAYMENT AND CLOSING COST ASSISTANCE LOANS. OUR TOTAL PHLC LOAN PORTFOLIO REMAINED STRONG RELATIVE TO THE NATIONAL ECONOMY. 4 LOANS WERE PAST DUE AS OF DECEMBER 31ST OUT OF A TOTAL PORTFOLIO OF 306 LOANS.
Expenses $85,917 · revenue $432,153

What it must file and when

IRS records say it files Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N. Its accounting year ends in December, so each return is due on the 15th day of the 5th month after that.

Tax year	Year ended	Due	IRS public records
2025	December 31, 2025	May 15, 2026	Not on file
2024	December 31, 2024	May 15, 2025	990 on file
2023	December 31, 2023	May 15, 2024	990 on file

IRS record

EIN: 47-2605170
Tax-exempt status: 501(c)(3): Charitable, religious, educational or scientific organization
Foundation status: Publicly supported organization (509(a)(2))
Donations deductible (Pub 78): Public charity, 50% deduction limit
Exempt since: 2015
Accounting year ends: December
Files: Form 990 or 990-EZ
Category (NTEE): Housing and shelter (L20)
Assets (IRS master file): $4,197,250
Income (IRS master file): $441,683

Filing history

Form	Year ended	Revenue	Expenses	Assets	Return
990	December 2024	$441,683	$85,917	$4,197,250	XML
990	December 2023	$331,092	$80,737	$3,373,901	XML
990	December 2022	$278,435	$90,109	$3,283,912	IRS
990	December 2021	–	–	–	IRS
990	December 2020	–	–	–	IRS
990	December 2018	–	–	–	IRS

990-N: the IRS bulk file holds only the latest e-Postcard per organization; earlier years come from archived copies of that file since 2020 and can have gaps (the IRS e-Postcard search lists every one). 990, 990-EZ, 990-PF, 990-T: every e-filed return in the IRS e-file index since 2019; XML for the latest three processing years, amounts from the IRS Statistics of Income extracts before that. PDF copies and determination letters at the IRS (search EIN 47-2605170).

Questions about PENNSYLVANIA HOME LENDING COLLABORATIVE INC

What is the EIN of PENNSYLVANIA HOME LENDING COLLABORATIVE INC?: The employer identification number (EIN) of PENNSYLVANIA HOME LENDING COLLABORATIVE INC is 47-2605170.
Is PENNSYLVANIA HOME LENDING COLLABORATIVE INC tax-exempt?: Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 2015.
Are donations to PENNSYLVANIA HOME LENDING COLLABORATIVE INC tax-deductible?: Yes. It is listed in IRS Publication 78 (Public charity, 50% deduction limit).
Which annual return does PENNSYLVANIA HOME LENDING COLLABORATIVE INC file?: Form 990 or 990-EZ. Based on its last return; a smaller organization may file the 990-N.
When is the next return of PENNSYLVANIA HOME LENDING COLLABORATIVE INC due?: The return for tax year 2025 (the year ending December 31, 2025) is due May 15, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
When did PENNSYLVANIA HOME LENDING COLLABORATIVE INC last file with the IRS?: The latest return in the IRS public files is the 990 for the year ended December 2024.
Who is the principal officer of PENNSYLVANIA HOME LENDING COLLABORATIVE INC?: The 990 for the year ended December 31, 2024 names STEPHEN GIERINGER.
Who are the officers and directors of PENNSYLVANIA HOME LENDING COLLABORATIVE INC?: The 990 for the year ended December 31, 2024 lists 7 people; 0 received compensation from the organization.
How much revenue does PENNSYLVANIA HOME LENDING COLLABORATIVE INC have?: On its 990 for the year ended December 31, 2024 it reported revenue of $441,683, expenses of $85,917 and total assets of $4,197,250 at year end.