Nonprofit · EIN 81-1958719
TCHFH LENDING INC
Tax-exempt · SAINT PAUL, MN 55104
Financials
| Year ended | Form | Revenue | Expenses | Net income | Total assets | Liabilities | Net assets |
|---|---|---|---|---|---|---|---|
| June 30, 2025 | 990 | $11,251,491 | $4,659,990 | $6,591,501 | $19,881,588 | $8,480,041 | $11,401,547 |
| June 30, 2024 | 990 | $5,304,661 | $3,480,711 | $1,823,950 | $11,409,917 | $6,599,871 | $4,810,046 |
| June 30, 2023 | 990 | $2,466,684 | $1,723,538 | $743,146 | $9,939,150 | $6,953,054 | $2,986,096 |
Financial details: 990 for the year ended June 30, 2025
Revenue
- Contributions, gifts and grants
- $9,737,196
- of which government grants
- $1,028,100
- Program service revenue
- $1,305,676
- Investment income
- $194,521
- Other revenue
- $14,098
Expenses
- Grants and similar amounts paid
- $2,625,836
- Compensation of officers, directors and key employees
- $158,174
- Other salaries and wages
- $825,490
- Salaries, compensation and benefits (total)
- $1,224,792
- Professional fundraising fees
- $0
- Legal fees
- $16,868
- Accounting fees
- $9,248
- Travel
- $3,375
- Program services (functional)
- $4,259,238
- Management and general (functional)
- $400,752
Balance sheet and other
- Total assets, start of year
- $11,409,917
- Total assets, end of year
- $19,881,588
- Total liabilities, end of year
- $8,480,041
- Net assets, end of year
- $11,401,547
- Net assets without donor restrictions
- $10,818,519
- Net assets with donor restrictions
- $583,028
- Gross receipts
- $11,251,491
- Employees
- 0
- Volunteers
- 8
- Year formed
- 2016
- State of legal domicile
- MN
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 June 30, 2025, highest compensation first.
| Name | Title | Hours / week | Compensation | From related orgs | Other / benefits |
|---|---|---|---|---|---|
| ROBYN BIPES-TIMM | PRESIDENT Officer | 6 | $0 | $283,554 | $69,092 |
| BETSY MILLS | SECRETARY Officer | 16 | $0 | $153,388 | $55,433 |
| DELINDA WASHINGTON | BOARD CHAIR Trustee or director, Officer | 0.5 | $0 | $0 | $0 |
| JONATHAN SAGE-MARTINSON | BOARD VICE CHAIR Trustee or director, Officer | 0.5 | $0 | $0 | $0 |
| ERIC SKALLAND | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
| ANNE BEHRENDT | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
| BRANDON BERG | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
| SCOTT HIETPAS | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
| BRUCE PARADIS | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
| KIRSTIN BURCH | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
| NICKI DONLON | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
| DEVON POHLMAN | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
990 for the year ended June 30, 2024: 8 people
| Name | Title | Hours / week | Compensation | From related orgs | Other / benefits |
|---|---|---|---|---|---|
| ROBYN BIPES-TIMM | PRESIDENT Officer | 10 | $0 | $231,481 | $46,189 |
| ANNE BEHRENDT | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
| DELINDA WASHINGTON | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
| ERIC SKALLAND | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
| JONATHAN SAGE-MARTINSON | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
| BRANDON BERG | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
| SCOTT HIETPAS | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
| BRUCE PARADIS | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
990 for the year ended June 30, 2023: 12 people
| Name | Title | Hours / week | Compensation | From related orgs | Other / benefits |
|---|---|---|---|---|---|
| ROBYN BIPES-TIMM | PRESIDENT Officer | 10 | $0 | $180,639 | $41,729 |
| DAVID MILTON | PAST SECRETARY, PAST TREASURER Officer | 1 | $0 | $112,435 | $17,742 |
| DAVE HILL | SECRETARY, TREASURER Officer | 1 | $0 | $57,262 | $2,122 |
| ANNE BEHRENDT | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
| DELINDA WASHINGTON | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
| TONY BARRANCO | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
| BILL GOULD | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
| STEVE POPPEN | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
| ERIC SKALLAND | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
| RICH GAMMILL | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
| DIANE WOLD | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
| JONATHAN SAGE-MARTINSON | DIRECTOR Trustee or director | 0.5 | $0 | $0 | $0 |
Address and contacts
- Address (IRS master file)
- 1954 UNIVERSITY AVE W, SAINT PAUL, MN 55104-3426
- In care of
- % EXECUTIVE DIRECTOR
- Principal officer (990 for 2024)
- ROBYN BIPES-TIMM, 1954 UNIVERSITY AVENUE WEST, SAINT PAUL, MN 55104
- Signed the 990
- ROBYN BIPES-TIMM, PRESIDENT
- Phone
- (651) 207-1700
- Return prepared by
- CLIFTONLARSONALLEN LLP
Mission
THE MISSION OF TCHFH LENDING, INC. IS TO HELP THOSE UNDERSERVED BY THE TRADITIONAL MORTGAGE INDUSTRY ATTAIN HOMEOWNERSHIP THROUGH ITS AFFORDABLE MORTGAGE PROGRAM.
Program accomplishments
- 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.Expenses $1,845,031 · grants $798,400
- TCHFH 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.Expenses $1,627,836 · grants $1,627,836
- TCHFH 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.Expenses $786,371 · grants $199,600 · revenue $1,305,676
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 June, so each return is due on the 15th day of the 5th month after that.
| Tax year | Year ended | Due | IRS public records |
|---|---|---|---|
| 2025 | June 30, 2026 | November 16, 2026 | Not due yet |
| 2024 | June 30, 2025 | November 17, 2025 | 990 on file |
| 2023 | June 30, 2024 | November 15, 2024 | 990 on file |
IRS record
- EIN
- 81-1958719
- Tax-exempt status
- 501(c)(3): Charitable, religious, educational or scientific organization
- Foundation status
- Publicly supported organization (170(b)(1)(A)(vi))
- Exempt since
- 1987
- Accounting year ends
- June
- Files
- Form 990 or 990-EZ
- Group exemption
- 8545: HABITAT FOR HUMANITY INTERNATIONAL INC
- Assets (IRS master file)
- $19,881,588
- Income (IRS master file)
- $11,251,491
Filing history
| Form | Year ended | Revenue | Expenses | Assets | Return |
|---|---|---|---|---|---|
| 990 | June 2025 | $11,251,491 | $4,659,990 | $19,881,588 | XML |
| 990 | June 2024 | $5,304,661 | $3,480,711 | $11,409,917 | XML |
| 990 | June 2023 | $2,466,684 | $1,723,538 | $9,939,150 | XML |
| 990 | June 2022 | $2,448,749 | $1,272,650 | $7,779,735 | IRS |
| 990 | June 2021 | – | – | – | IRS |
| 990 | June 2020 | – | – | – | IRS |
| 990 | June 2019 | – | – | – | IRS |
| 990 | June 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 81-1958719).
Questions about TCHFH LENDING INC
- What is the EIN of TCHFH LENDING INC?
- The employer identification number (EIN) of TCHFH LENDING INC is 81-1958719.
- Is TCHFH LENDING INC tax-exempt?
- Yes. The IRS lists it as tax-exempt under section 501(c)(3) since 1987.
- Which annual return does TCHFH LENDING 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 TCHFH LENDING INC due?
- The return for tax year 2025 (the year ending June 30, 2026) is due November 16, 2026. Form 8868 extends it by six months; the 990-N cannot be extended.
- When did TCHFH LENDING INC last file with the IRS?
- The latest return in the IRS public files is the 990 for the year ended June 2025.
- Who is the principal officer of TCHFH LENDING INC?
- The 990 for the year ended June 30, 2025 names ROBYN BIPES-TIMM.
- Who are the officers and directors of TCHFH LENDING INC?
- The 990 for the year ended June 30, 2025 lists 12 people; 0 received compensation from the organization.
- How much revenue does TCHFH LENDING INC have?
- On its 990 for the year ended June 30, 2025 it reported revenue of $11,251,491, expenses of $4,659,990 and total assets of $19,881,588 at year end.
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